Kernersville, NC · Cert 34510
FDIC
Q1 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.78% | -0.25% | -0.57% | -4.74% | -2.22% | +356 bps | |
| Return on Equity | n/a | -2.87% | -6.71% | -60.33% | -31.15% | n/a | |
| Net Interest Margin | 3.19% | 3.15% | 2.63% | 2.03% | 2.00% | -119 bps | |
| Efficiency Ratio | 103.96% | 106.30% | 116.98% | 128.54% | 144.41% | +4,045 bps | |
| Non-Interest Burden | 3.33% | 3.38% | 3.20% | 2.91% | 3.19% | -14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 27.69% | 15.65% | 6.47% | -2.31% | -5.11% | -3,280 bps | |
| Loan Growth (YoY) | 18.35% | 4.22% | 1.28% | -4.98% | -11.55% | -2,990 bps | |
| Deposit Growth (YoY) | 34.03% | 19.63% | 9.20% | 0.72% | -2.94% | -3,698 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 5.29% | -0.04% | 0.05% | 0.48% | 0.76% | -452 bps | |
| Allowance / Loans | 2.08% | 2.17% | 2.21% | 3.66% | 3.99% | +191 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 14.15% | 14.05% | 13.96% | 12.35% | 11.79% | -236 bps | |
| Equity / Assets | 8.55% | 8.62% | 8.31% | 7.38% | 6.88% | -167 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.67% | 77.18% | 73.30% | 73.01% | 71.70% | -697 bps | |
| Liquid Assets / Assets | 0.82% | 0.95% | 0.92% | 0.95% | 0.95% | +13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |