Gastonia, NC · Cert 34041
FDIC
Q2 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 0.41% | 1.30% | 1.37% | -0.10% | 1.14% | 0.78% | 0.44% | -93 bps | |
| Return on Equity | 11.96% | 4.91% | 15.30% | 15.85% | -1.21% | 13.41% | 7.40% | 2.88% | -1,297 bps | |
| Net Interest Margin | 3.42% | 3.75% | 3.88% | 3.87% | 3.88% | 3.90% | 3.66% | -0.92% | -480 bps | |
| Efficiency Ratio | 60.03% | 70.97% | 58.59% | 58.42% | 102.41% | 60.37% | 65.60% | 58.49% | +7 bps | |
| Non-Interest Burden | 1.61% | 2.37% | 1.88% | 1.76% | 4.02% | 1.89% | 2.19% | -0.82% | -258 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.41% | 5.06% | 4.91% | 3.97% | 4.83% | 7.71% | 214% | 235% | +23,125 bps | |
| Loan Growth (YoY) | 9.27% | 4.27% | 5.64% | 4.75% | 7.90% | 12.18% | 216% | 197.74% | +19,299 bps | |
| Deposit Growth (YoY) | 6.96% | 5.59% | 2.46% | 4.22% | 8.70% | 11.73% | 230% | 225% | +22,125 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 | 0.45% | 0.65% | 0.31% | 0.07% | -0.03% | -0.10% | 3.02% | -3.33% | -340 bps | |
| Allowance / Loans | 1.36% | 1.48% | 1.38% | 1.31% | 1.30% | 1.36% | 1.23% | 1.23% | -8 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 | 11.04% | 11.32% | 11.60% | 11.68% | 11.02% | 11.19% | 11.14% | 8.71% | -297 bps | |
| Equity / Assets | 8.22% | 8.48% | 8.54% | 8.74% | 8.43% | 8.58% | 11.13% | 18.74% | +1,001 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.34% | 92.04% | 90.94% | 93.51% | 91.66% | 92.42% | 87.14% | 85.54% | -797 bps | |
| Liquid Assets / Assets | 1.60% | 1.67% | 1.90% | 1.60% | 0.60% | 0.30% | 3.03% | 3.16% | +156 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |