Charlotte, NC · Cert 34215
FDIC
Q2 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.61% | 0.67% | 0.66% | 0.70% | 0.69% | 0.63% | 0.66% | 0 bps | |
| Return on Equity | n/a | n/a | 6.58% | 6.74% | 7.36% | 7.40% | 7.07% | 7.52% | +78 bps | |
| Net Interest Margin | 3.40% | 3.23% | 3.40% | 3.30% | 3.19% | 3.12% | 3.13% | 2.90% | -39 bps | |
| Efficiency Ratio | 73.83% | 73.89% | 77.07% | 71.03% | 72.30% | 71.30% | 62.76% | 63.31% | -772 bps | |
| Non-Interest Burden | 2.42% | 2.30% | 2.52% | 2.24% | 2.21% | 2.12% | 1.83% | 1.69% | -54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.32% | 22.25% | 16.56% | 33.07% | 36.01% | 26.12% | 25.56% | 16.45% | -1,662 bps | |
| Loan Growth (YoY) | 22.91% | 21.97% | 24.03% | 31.76% | 25.64% | 24.98% | 12.04% | -0.24% | -3,200 bps | |
| Deposit Growth (YoY) | 8.46% | 10.84% | 10.62% | 29.16% | 27.59% | 19.52% | 20.61% | 9.85% | -1,931 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 | 0.00% | 0.00% | 0.00% | 0.01% | 0.02% | 0.02% | 0.37% | 0.73% | +73 bps | |
| Allowance / Loans | 1.35% | 1.35% | 1.35% | 1.35% | 1.36% | 1.44% | 1.55% | 1.58% | +23 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 | 10.43% | 14.58% | 13.55% | 12.63% | 12.32% | 12.65% | 12.87% | 13.00% | +37 bps | |
| Equity / Assets | 7.25% | 10.45% | 10.00% | 9.11% | 8.59% | 8.98% | 8.91% | 8.62% | -49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.49% | 83.93% | 88.10% | 82.56% | 81.23% | 87.76% | 81.84% | 74.98% | -758 bps | |
| Liquid Assets / Assets | 0.14% | 0.71% | 0.12% | 0.08% | 0.25% | 0.69% | 1.38% | 2.65% | +257 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |