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Centura Bank

Rocky Mount, NC · Cert 33184

FDIC

Q4 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2011, the quarter ended December 31, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Centura Bank

Rocky Mount, NC · Cert 33184

FDIC

Q4 2011

$27.2BAssets
$17.3BLoans
$20.7BDeposits
$3.7BEquity
Loan mix
84%RE $14.3B16%C&I $2.7B1%Consumer $0.1BQ4 2010Q4 2011
Deposit mix
97%Interest-bearing $20.1B3%Noninterest $0.6BQ4 2010Q4 2011

NIM

4.04%Q4 ’093.43%Q4 ’103.11%Q4 ’11-1%-6%

Non-interest income vs. expense

4.64%Q4 ’093.63%Q4 ’103.98%Q4 ’11-24%+16%

Executive Summary

  • Earnings: ROA of -1.62%, down 17 bps year over year; NIM at 2.46%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.36%.
  • Funding: loans stand at 83.54% of deposits as of Q4 2011.

Financial Results

Return on Assets (YTD, annualized)

-1.62%-17 bps YoY

Net Interest Margin (YTD, annualized)

2.46%-16 bps YoY

Efficiency Ratio (YTD, annualized)

94.14%+536 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets-1.46%-0.86%-2.01%-2.08%-1.62%-17 bps
Return on Equity-9.95%-5.96%-14.11%-14.87%-11.71%-177 bps
Net Interest Margin2.63%2.57%2.54%2.51%2.46%-16 bps
Efficiency Ratio88.78%90.35%89.86%95.09%94.14%+536 bps
Non-Interest Burden2.95%2.43%4.36%3.84%3.44%+49 bps
Growth
Asset Growth (YoY)0.45%4.83%3.51%2.85%-1.55%-200 bps
Loan Growth (YoY)-6.40%-5.35%-5.62%-6.43%-7.28%-88 bps
Deposit Growth (YoY)-0.15%5.65%7.91%14.08%8.76%+891 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.64%2.86%2.43%2.42%2.36%-28 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital15.44%15.83%15.94%15.88%16.10%+66 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits98.00%91.34%88.37%83.21%83.54%-1,445 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a