Winston-Salem, NC · Cert 34321
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.48% | 0.11%1 | 0.51% | 0.43% | 0.50%1 | 0.46% | 0.55% | 2.74%1 | +231 bps | |
| Return on Equity | -29.66% | 1.39% | 6.06% | 4.89% | 5.49% | 4.97% | 5.71% | 26.52% | +2,162 bps | |
| Net Interest Margin | 3.15% | 3.35% | 3.39% | 3.31% | 3.26% | 3.18% | 3.16% | 2.86% | -46 bps | |
| Efficiency Ratio | 73.78% | 72.51% | 67.94% | 67.21% | 73.67% | 69.68% | 74.82% | 99.48% | +3,227 bps | |
| Non-Interest Burden | 2.27% | 2.34% | 2.08% | 2.05% | 2.33% | 2.00% | 2.22% | 2.86% | +80 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.36% | -6.06% | -5.80% | -6.90% | -9.09% | -6.31% | -7.36% | -10.13% | -323 bps | |
| Loan Growth (YoY) | -7.88% | -10.51% | -13.71% | -16.68% | -15.98% | -13.68% | -11.76% | -13.50% | +318 bps | |
| Deposit Growth (YoY) | 1.80% | -2.34% | -3.47% | -6.60% | -12.13% | -7.51% | -9.69% | -11.46% | -486 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 | 4.23% | 2.22% | 1.48% | 2.04% | 2.37% | 1.23% | 1.54% | 2.68% | +64 bps | |
| Allowance / Loans | 2.60% | 2.55% | 2.65% | 2.66% | 2.53% | 2.58% | 2.50% | 2.23% | -44 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 | 11.14% | 12.05% | 12.87% | 13.35% | 13.85% | 14.16% | 14.62% | 16.79% | +345 bps | |
| Equity / Assets | 7.89% | 8.14% | 8.59% | 8.97% | 9.25% | 9.40% | 9.92% | 10.79% | +182 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.97% | 84.46% | 82.96% | 80.36% | 80.29% | 78.82% | 81.05% | 78.50% | -185 bps | |
| Liquid Assets / Assets | 4.21% | 4.99% | 6.12% | 4.46% | 4.47% | 6.53% | 10.56% | 17.47% | +1,301 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |