Asheville, NC · Cert 32347
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -7.00% | -3.37% | -1.17% | -1.69% | -10.17% | -1.45% | -4.68% | -1.10% | +58 bps | |
| Return on Equity | -180.48% | -104.94% | -33.63% | -37.13% | -259% | -55.17% | -255% | -107.52% | -7,039 bps | |
| Net Interest Margin | 2.10% | 2.24% | 2.24% | 2.59% | 2.08% | 2.75% | 1.64% | 2.19% | -39 bps | |
| Efficiency Ratio | 918% | 214% | 163.38% | 159.96% | 702% | 145.89% | 351% | 158.71% | -125 bps | |
| Non-Interest Burden | 8.69% | 3.94% | 3.42% | 3.81% | 9.41% | 3.80% | 4.00% | 3.29% | -52 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -24.38% | -20.90% | -22.98% | -20.83% | -23.96% | -21.64% | -16.20% | -11.69% | +914 bps | |
| Loan Growth (YoY) | -33.00% | -31.58% | -29.70% | -31.30% | -27.48% | -24.68% | -24.67% | -25.05% | +625 bps | |
| Deposit Growth (YoY) | -20.68% | -16.54% | -21.34% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.19% | 2.16% | 1.39% | 9.05% | 0.64% | 3.31% | 5.53% | 1.73% | -732 bps | |
| Allowance / Loans | 5.23% | 5.78% | 5.84% | 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 | 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 | 6.26% | 5.42% | 7.01% | 8.05% | 4.94% | 4.18% | 2.74% | 2.31% | -574 bps | |
| Equity / Assets | 3.54% | 2.88% | 4.12% | 4.99% | 2.78% | 2.49% | 1.17% | 0.89% | -410 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.35% | 70.89% | 72.84% | 69.69% | 69.45% | 67.87% | 63.57% | 56.69% | -1,300 bps | |
| Liquid Assets / Assets | 14.54% | 15.73% | 11.62% | 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 | n/a | n/a | n/a |