Asheville, NC · Cert 34516
FDIC
Q4 2010
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 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.02% | 0.13% | -12.68% | -11.60% | -9.11% | -909 bps | |
| Return on Equity | -0.17% | 1.47% | -181.32% | -208% | -199.81% | -19,965 bps | |
| Net Interest Margin | 3.51% | 3.44% | 3.22% | 3.50% | 3.39% | -12 bps | |
| Efficiency Ratio | 70.33% | 78.90% | 86.42% | 98.38% | 103.95% | +3,362 bps | |
| Non-Interest Burden | 2.24% | 2.56% | 2.69% | 3.43% | 3.55% | +132 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.32% | 4.81% | -4.16% | -12.67% | -8.32% | -1,864 bps | |
| Loan Growth (YoY) | 8.31% | 5.18% | -5.63% | -10.86% | -13.43% | -2,174 bps | |
| Deposit Growth (YoY) | 15.46% | 5.59% | 2.47% | -4.38% | 0.50% | -1,497 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.21% | 0.95% | 16.23% | 11.35% | 8.80% | +759 bps | |
| Allowance / Loans | 1.89% | 1.91% | 2.46% | 5.11% | 5.32% | +342 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 | 11.16% | 11.69% | 4.63% | 1.63% | 0.81% | -1,035 bps | |
| Equity / Assets | 8.72% | 9.07% | 3.01% | 0.81% | 0.27% | -846 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.48% | 92.94% | 84.62% | 87.79% | 80.53% | -1,296 bps | |
| Liquid Assets / Assets | 0.69% | 2.07% | 4.20% | 5.75% | 14.87% | +1,418 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |