Winston-Salem, NC · Cert 34321
FDIC
Q3 2012
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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.22% | 0.11%1 | 0.31% | 0.35% | 0.38% | 0.46% | 0.51% | 1.23%1 | +89 bps | |
| Return on Equity | -14.07% | 1.39% | 3.73% | 4.12% | 4.48% | 4.97% | 5.34% | 12.55% | +843 bps | |
| Net Interest Margin | 3.32% | 3.35% | 3.42% | 3.43% | 3.44% | 3.18% | 3.20% | 3.18% | -26 bps | |
| Efficiency Ratio | 68.16% | 72.51% | 70.15% | 69.20% | 70.21% | 69.68% | 72.19% | 79.81% | +1,061 bps | |
| Non-Interest Burden | 2.09% | 2.34% | 2.24% | 2.21% | 2.28% | 2.00% | 2.13% | 2.43% | +22 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 | 3.44% | 2.22% | 1.90% | 2.00% | 2.15% | 1.23% | 1.40% | 1.89% | -12 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 |