Graham, NC · Cert 34676
FDIC
Q4 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.49% | 0.26% | 0.23% | 0.67% | 0.70% | -0.08% | 0.08% | -14 bps | |
| Return on Equity | 6.59% | 6.33% | 3.39% | 2.97% | 9.35% | 9.66% | -1.16% | 0.95% | -202 bps | |
| Net Interest Margin | 3.16% | 3.02% | 2.94% | 2.95% | 3.12% | 3.07% | 3.18% | 0.56% | -239 bps | |
| Efficiency Ratio | 85.96% | 81.71% | 84.42% | 85.55% | 79.82% | 78.44% | 75.04% | 69.61% | -1,594 bps | |
| Non-Interest Burden | 2.63% | 2.34% | 2.38% | 2.42% | 2.39% | 2.28% | 2.22% | 0.38% | -204 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.28% | 14.33% | 7.58% | 11.85% | 11.18% | 4.57% | -1.06% | 9.02% | -282 bps | |
| Loan Growth (YoY) | 4.92% | 6.09% | 7.93% | 7.98% | 8.35% | 4.20% | -1.94% | -1.54% | -953 bps | |
| Deposit Growth (YoY) | 3.69% | 7.38% | 1.13% | 5.63% | 9.86% | 6.13% | 0.17% | 4.34% | -129 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 | 0.12% | 0.17% | 0.32% | 0.51% | -0.22% | -0.12% | 2.20% | -0.05% | -57 bps | |
| Allowance / Loans | 1.56% | 1.62% | 1.69% | 1.58% | 1.61% | 1.69% | 1.38% | 1.61% | +3 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 | 14.52% | 13.54% | 13.44% | 13.51% | 13.11% | 12.93% | 12.73% | 9.22% | -429 bps | |
| Equity / Assets | 8.20% | 6.97% | 7.51% | 7.31% | 7.00% | 7.48% | 7.27% | 14.62% | +731 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.38% | 91.16% | 93.28% | 91.64% | 90.13% | 89.50% | 91.31% | 86.47% | -516 bps | |
| Liquid Assets / Assets | 0.02% | 0.37% | 1.98% | 0.73% | 0.80% | 1.34% | 1.02% | 0.84% | +11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |