Asheville, NC · Cert 32347
FDIC
Q3 2011
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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.11% | -3.93% | -1.45% | -3.04% | -2.40% | -29 bps | |
| Return on Equity | -55.10% | -107.64% | -55.17% | -141.35% | -130.40% | -7,530 bps | |
| Net Interest Margin | 2.53% | 2.51% | 2.75% | 2.22% | 2.21% | -32 bps | |
| Efficiency Ratio | 177.45% | 702% | 145.89% | 205% | 187.98% | +1,053 bps | |
| Non-Interest Burden | 4.01% | 5.51% | 3.80% | 3.94% | 3.72% | -29 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -20.83% | -23.96% | -21.64% | -16.20% | -11.69% | +914 bps | |
| Loan Growth (YoY) | -31.30% | -27.48% | -24.68% | -24.67% | -25.05% | +625 bps | |
| Deposit Growth (YoY) | -21.63% | -23.41% | -21.33% | -13.69% | -7.87% | +1,376 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 4.39% | 3.67% | 3.31% | 4.54% | 3.95% | -44 bps | |
| Allowance / Loans | 4.40% | 5.59% | 5.18% | 5.10% | 5.25% | +86 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 8.05% | 4.94% | 4.18% | 2.74% | 2.31% | -574 bps | |
| Equity / Assets | 4.99% | 2.78% | 2.49% | 1.17% | 0.89% | -410 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.69% | 69.45% | 67.87% | 63.57% | 56.69% | -1,300 bps | |
| Liquid Assets / Assets | 12.53% | 11.28% | 9.78% | 7.45% | 9.56% | -297 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |