Whiteville, NC · Cert 34515
FDIC
Q1 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.02% | -0.44% | -10.47% | 0.23% | -1.26% | -7.80% | -5.70% | -2.54% | -276 bps | |
| Return on Equity | -0.30% | -7.94% | -195.97% | 4.67% | -27.19% | -218% | -292% | -276% | -28,075 bps | |
| Net Interest Margin | 1.85% | 2.17% | 1.74% | 2.43% | 2.36% | 2.30% | 2.14% | 2.19% | -24 bps | |
| Efficiency Ratio | 90.83% | 117.34% | 126.76% | 80.07% | 92.81% | 172.27% | 250% | 120.35% | +4,028 bps | |
| Non-Interest Burden | 1.62% | 2.72% | 2.45% | 1.78% | 2.13% | 4.64% | 6.59% | 2.81% | +103 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.04% | 5.25% | 2.86% | 0.19% | 1.64% | 3.59% | 1.81% | -9.10% | -928 bps | |
| Loan Growth (YoY) | -11.98% | -16.09% | 15.66% | 15.47% | 14.00% | 14.49% | -16.13% | -17.12% | -3,259 bps | |
| Deposit Growth (YoY) | 2.59% | 9.76% | 5.01% | 1.10% | 3.30% | 9.66% | 8.20% | -4.25% | -535 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 | 0.40% | 3.48% | 3.01% | 3.11% | 0.56% | 10.43% | 3.56% | 3.40% | +29 bps | |
| Allowance / Loans | 3.26% | 3.03% | 3.84% | 3.39% | 4.07% | 4.32% | 4.06% | 4.18% | +80 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 | 10.65% | 10.46% | 8.49% | 8.60% | 8.45% | 5.87% | 3.99% | 2.49% | -611 bps | |
| Equity / Assets | 5.44% | 5.75% | 4.92% | 4.72% | 4.52% | 2.66% | 1.22% | 0.61% | -412 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.25% | 66.64% | 88.93% | 80.11% | 77.52% | 69.58% | 68.94% | 69.34% | -1,077 bps | |
| Liquid Assets / Assets | 11.98% | 14.25% | 5.13% | 9.23% | 10.08% | 17.41% | 17.08% | 16.97% | +774 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |