Charlotte, NC · Cert 33869
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.22% | -0.82% | -0.71% | 1.49%1 | 1.35% | 0.44% | 0.33% | 0.87% | -61 bps | |
| Return on Equity | -2.05% | -7.71% | -6.95% | 15.41% | 13.71% | 3.96% | 2.70% | 6.71% | -871 bps | |
| Net Interest Margin | 2.54% | 2.16% | 2.57% | -7.58% | 2.74% | 2.93% | 3.26% | 3.30% | +1,088 bps | |
| Efficiency Ratio | 61.08% | 74.01% | 60.82% | n/a | 46.55% | 54.03% | 43.02% | 46.86% | n/a | |
| Non-Interest Burden | 1.13% | 1.21% | 1.02% | -3.50% | 0.74% | 1.30% | 0.92% | 1.06% | +457 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.35% | 19.70% | 13.12% | -7.30% | -17.30% | -20.00% | -25.52% | -23.32% | -1,602 bps | |
| Loan Growth (YoY) | 34.94% | 31.45% | 21.82% | -6.86% | -9.11% | -11.76% | -16.35% | -12.64% | -578 bps | |
| Deposit Growth (YoY) | 30.58% | 26.33% | 18.70% | -2.94% | -2.49% | -0.90% | -14.49% | -20.00% | -1,706 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 | 0.63% | 1.08% | 1.50% | -3.46% | 0.34% | 0.91% | 1.76% | 2.02% | +548 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 11.74% | 11.60% | 11.66% | 10.92% | 12.04% | 13.05% | 13.62% | 13.67% | +275 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.36% | 104.08% | 109.97% | 95.90% | 94.48% | 92.68% | 107.58% | 104.72% | +882 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |