Asheville, NC · Cert 34472
FDIC
Q3 2002
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 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.56% | 0.19% | 0.14% | 0.14% | 0.03%1 | 0.02% | 0.02% | 0.02% | -13 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 0.21% | 0.23% | 0.21% | n/a | |
| Net Interest Margin | n/a | 2.96% | 2.86% | 2.80% | 2.67% | 2.58% | 2.49% | 2.54% | -26 bps | |
| Efficiency Ratio | n/a | 91.06% | 91.87% | 91.33% | 98.35% | 95.09% | 96.06% | 95.94% | +461 bps | |
| Non-Interest Burden | n/a | 2.66% | 2.59% | 2.52% | 2.62% | 2.43% | 2.37% | 2.41% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.85% | 15.89% | 7.73% | 5.91% | 10.43% | 0.71% | 0.96% | -4.15% | -1,006 bps | |
| Loan Growth (YoY) | 8.90% | 14.79% | 13.64% | 17.63% | 15.67% | 5.03% | 4.32% | 0.33% | -1,730 bps | |
| Deposit Growth (YoY) | 12.90% | 8.15% | -0.16% | -0.31% | 4.94% | 1.94% | 2.18% | -4.03% | -373 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 | n/a | 0.12% | 0.06% | 0.04% | 0.22% | 0.00% | 0.02% | 0.01% | -2 bps | |
| Allowance / Loans | n/a | 1.46% | 1.45% | 1.43% | 1.31% | 1.34% | 1.31% | 1.35% | -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 | n/a | 11.98% | 11.30% | 11.01% | 10.93% | 10.79% | 11.10% | 11.06% | +4 bps | |
| Equity / Assets | n/a | 9.28% | 9.36% | 9.25% | 9.22% | 9.03% | 9.16% | 9.51% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.05% | 87.78% | 90.54% | 90.80% | 91.54% | 90.45% | 92.44% | 94.93% | +413 bps | |
| Liquid Assets / Assets | 0.00% | 0.48% | 0.54% | 0.59% | 1.62% | 0.75% | 0.84% | 1.00% | +41 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |