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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 $0.1BQ1 2010Q4 2011
Deposit mix
97%Interest-bearing $20.1B3%Noninterest $0.6BQ1 2010Q4 2011

Executive Summary

  • Earnings: ROA of -0.25%, up 263 bps year over year; NIM at 2.33%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.03%.
  • Funding: loans stand at 83.54% of deposits as of Q4 2011.

Return on Assets (quarter, annualized)

-0.25%+263 bps YoY

Net Interest Margin (quarter, annualized)

2.33%-33 bps YoY

Efficiency Ratio (quarter, annualized)

91.25%-715 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

3.71%Q4 ’093.39%Q4 ’102.92%Q4 ’11-1%-12%

Non-interest income vs. expense

3.83%Q4 ’095.42%Q4 ’102.87%Q4 ’11+57%-55%

Discrete quarter, annualized.

MetricQ1 2010Q2 2010Q3 2010Q4 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets-1.02%-0.82%-1.10%-2.88%-0.86%-3.16%-2.23%-0.25%+263 bps
Return on Equity-7.31%-5.17%-7.09%-19.48%-5.96%-22.40%-16.50%-1.88%+1,759 bps
Net Interest Margin2.73%2.75%2.69%2.66%2.57%2.50%2.45%2.33%-33 bps
Efficiency Ratio82.26%86.04%89.38%98.40%90.35%89.30%106.60%91.25%-715 bps
Non-Interest Burden2.24%2.38%2.47%4.98%2.43%6.28%2.81%2.24%-274 bps
Growth
Asset Growth (YoY)-12.44%-11.69%-6.17%0.45%4.83%3.51%2.85%-1.55%-200 bps
Loan Growth (YoY)-10.49%-9.58%-7.13%-6.40%-5.35%-5.62%-6.43%-7.28%-88 bps
Deposit Growth (YoY)-2.50%2.01%1.43%-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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.46%2.24%2.95%2.73%2.86%1.95%2.31%2.03%-70 bps
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital16.58%16.24%15.78%15.44%15.83%15.94%15.88%16.10%+66 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits101.95%101.04%101.44%98.00%91.34%88.37%83.21%83.54%-1,445 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a