Boone, NC · Cert 34865
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.59% | 0.14% | 0.88% | 0.61% | 0.66% | 0.86% | -2.27% | -315 bps | |
| Return on Equity | 3.40% | 5.91% | 1.43% | 9.84% | 6.82% | 7.29% | 9.64% | -26.32% | -3,616 bps | |
| Net Interest Margin | 3.14% | 3.24% | 3.47% | 3.37% | 3.17% | 3.27% | 3.54% | 3.57% | +20 bps | |
| Efficiency Ratio | 82.20% | 73.03% | 84.32% | 64.33% | 71.28% | 70.01% | 65.26% | 67.14% | +281 bps | |
| Non-Interest Burden | 2.29% | 2.03% | 2.70% | 1.55% | 1.76% | 1.78% | 1.71% | 1.78% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 43.66% | 40.85% | 32.44% | 29.31% | 19.55% | 15.72% | 10.76% | 3.57% | -2,574 bps | |
| Loan Growth (YoY) | 52.46% | 27.98% | 22.60% | 19.88% | 18.04% | 22.51% | 21.66% | 15.42% | -446 bps | |
| Deposit Growth (YoY) | 47.35% | 43.08% | 38.07% | 34.95% | 21.10% | 17.32% | 12.37% | 4.09% | -3,086 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 | 0.08% | 0.19% | 0.23% | 0.15% | 0.24% | 0.28% | 0.27% | 0.80% | +66 bps | |
| Allowance / Loans | 1.19% | 1.23% | 1.25% | 1.26% | 1.30% | 1.30% | 1.30% | 1.30% | +4 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 | 12.99% | 12.27% | 11.72% | 11.13% | 11.21% | 11.01% | 10.97% | 10.23% | -90 bps | |
| Equity / Assets | 10.09% | 9.77% | 9.16% | 8.71% | 9.07% | 9.00% | 8.93% | 8.30% | -41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.76% | 89.98% | 88.52% | 86.55% | 90.41% | 93.96% | 95.83% | 95.97% | +942 bps | |
| Liquid Assets / Assets | 1.43% | 1.30% | 1.22% | 1.13% | 1.15% | 1.13% | 0.00% | 0.00% | -112 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |