Albemarle, NC · Cert 30668
FDIC
Q1 2014
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.44% | 0.44% | 0.33% | 0.23% | 0.19% | 0.17% | -4.32% | -465 bps | |
| Return on Equity | 5.09% | 5.32% | 5.29% | 3.78% | 2.57% | 2.08% | 1.93% | -49.67% | -5,345 bps | |
| Net Interest Margin | 3.17% | 3.12% | 3.10% | 2.99% | 2.97% | 2.95% | 2.94% | 3.07% | +9 bps | |
| Efficiency Ratio | 77.90% | 77.29% | 79.58% | 81.24% | 84.28% | 86.82% | 88.68% | 311% | +22,982 bps | |
| Non-Interest Burden | 2.38% | 2.31% | 2.39% | 2.37% | 2.48% | 2.54% | 2.59% | 9.91% | +754 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.19% | -3.27% | -3.50% | -3.90% | -2.93% | -4.34% | -0.88% | -0.14% | +376 bps | |
| Loan Growth (YoY) | -9.65% | -9.77% | -7.77% | -7.43% | -5.86% | -3.63% | -2.85% | -3.26% | +417 bps | |
| Deposit Growth (YoY) | -2.43% | -1.93% | -0.41% | -0.83% | -0.21% | -0.84% | -2.57% | -1.37% | -53 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.02% | 0.29% | 0.20% | 0.25% | -0.04% | -6 bps | |
| Allowance / Loans | 1.79% | 1.84% | 1.86% | 1.90% | 1.86% | 1.86% | 1.79% | 1.83% | -8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.66% | 14.28% | 14.60% | 14.94% | 15.24% | 15.26% | 15.22% | 13.81% | -112 bps | |
| Equity / Assets | 8.39% | 8.46% | 8.76% | 8.95% | 9.02% | 9.11% | 8.97% | 8.42% | -52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.59% | 84.48% | 83.09% | 82.55% | 81.69% | 82.10% | 82.86% | 80.97% | -158 bps | |
| Liquid Assets / Assets | 14.73% | 17.11% | 16.81% | 15.89% | 17.07% | 16.14% | 17.08% | 18.63% | +274 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |