PackageTrendsPeer
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BB&T Bankcard Corporation

Columbus, GA · Cert 34780

FDIC

Q4 2012

$2.8BAssets
$2.5BLoans
$924.3MDeposits
$669.2MEquity
Loan mix
0%RE $0.0B21%C&I $0.5B79%Consumer $2.0BQ4 2011Q4 2012
Deposit mix
92%Interest-bearing $851.3M8%Noninterest $73.0MQ4 2011Q4 2012

NIM

6.97%Q3 ’116.94%Q4 ’116.77%Q4 ’12+0%+4%

Non-interest income vs. expense

4.73%Q3 ’114.78%Q4 ’115.37%Q4 ’12-2%-4%

Executive Summary

  • Earnings: ROA of 5.58%, up 89 bps year over year; NIM at 6.42%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.34%.
  • Funding: loans stand at 270.16% of deposits as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

5.58%+89 bps YoY

Net Interest Margin (YTD, annualized)

6.42%+23 bps YoY

Efficiency Ratio (YTD, annualized)

33.69%+186 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets4.69%6.75%6.30%5.74%5.58%+89 bps
Return on Equityn/a34.06%30.44%26.87%25.55%n/a
Net Interest Margin6.19%6.31%6.31%6.34%6.42%+23 bps
Efficiency Ratio31.84%33.07%32.12%33.10%33.69%+186 bps
Non-Interest Burden-3.95%-3.93%-4.24%-4.17%-4.09%-14 bps
Growth
Asset Growth (YoY)6.62%7.20%2.56%3.43%3.02%-360 bps
Loan Growth (YoY)9.98%9.20%8.17%5.41%4.09%-589 bps
Deposit Growth (YoY)-11.75%-14.72%-15.67%-16.59%-15.40%-365 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.90%2.64%2.55%2.39%2.34%-56 bps
Allowance / Loans4.72%3.94%3.68%3.94%3.97%-75 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital20.20%22.30%23.70%24.58%24.86%+466 bps
Equity / Assets18.78%20.91%22.41%23.34%23.65%+487 bps
Liquidity & Funding
Loans / Deposits220%259%268%280%270%+5,059 bps
Liquid Assets / Assets1.85%1.83%1.76%1.61%1.40%-45 bps
CRE / Total Capitaln/an/an/an/an/an/an/a