Asheville, NC · Cert 34516
FDIC
Q4 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.80% | 0.24% | -1.54% | 0.13% | -25.66% | -9.08% | -1.43% | +10 bps | |
| Return on Equity | 5.23% | 8.74% | 2.59% | -17.11% | 1.47% | -420% | -463% | -270% | -25,243 bps | |
| Net Interest Margin | 3.67% | 3.86% | 3.88% | 3.13% | 3.44% | 3.07% | 3.51% | 2.82% | -31 bps | |
| Efficiency Ratio | 73.86% | 66.72% | 62.34% | 80.97% | 78.90% | 94.66% | 122.79% | 124.35% | +4,339 bps | |
| Non-Interest Burden | 2.50% | 2.27% | 2.08% | 2.41% | 2.56% | 2.87% | 4.46% | 3.68% | +127 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.40% | 22.22% | 15.83% | 10.32% | 4.81% | -4.16% | -12.67% | -8.32% | -1,864 bps | |
| Loan Growth (YoY) | 27.56% | 21.76% | 17.57% | 8.31% | 5.18% | -5.63% | -10.86% | -13.43% | -2,174 bps | |
| Deposit Growth (YoY) | 20.07% | 25.81% | 17.54% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.24% | 0.11% | 0.42% | 4.06% | 0.95% | 31.44% | 0.56% | 0.15% | -390 bps | |
| Allowance / Loans | 1.53% | 1.58% | 1.90% | 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 | 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 | 12.02% | 11.99% | 11.64% | 11.16% | 11.69% | 4.63% | 1.63% | 0.81% | -1,035 bps | |
| Equity / Assets | 9.24% | 9.05% | 9.23% | 8.72% | 9.07% | 3.01% | 0.81% | 0.27% | -846 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.30% | 91.89% | 94.17% | 93.48% | 92.94% | 84.62% | 87.79% | 80.53% | -1,296 bps | |
| Liquid Assets / Assets | 0.12% | 5.28% | 4.04% | 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 | n/a | n/a | n/a |