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Crescent State Bank

Cary, NC · Cert 35006

FDIC · 41 branches

Q2 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2014, the quarter ended June 30, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Crescent State Bank

Cary, NC · Cert 35006

FDIC · 41 branches

Q2 2014

$2.1BAssets
$1.4BLoans
$1.7BDeposits
$279.5MEquity
Loan mix
80%RE $840.8M20%C&I $209.3M1%Consumer $7.1MQ2 2013Q2 2014
Deposit mix
86%Interest-bearing $1.4B14%Noninterest $0.2BQ2 2013Q2 2014

NIM

4.48%Q2 ’123.44%Q2 ’134.12%Q2 ’14-19%+21%

Non-interest income vs. expense

3.79%Q2 ’124.40%Q2 ’133.41%Q2 ’14-5%-13%

Market Position · Raleigh, NC · 2014 SOD (annual) · 3.0% share · #7 of 33 inst. · $0.7B of $23.6B

3.1% Wake
15.0% Dare
7.1% Pitt
2.4% New Hanover

Executive Summary

  • Earnings: ROA of 0.65%, up 21 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.20%.
  • Funding: loans stand at 82.08% of deposits as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

0.65%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.76%+65 bps YoY

Efficiency Ratio (YTD, annualized)

72.07%-2,206 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.44%0.38%0.50%0.52%0.65%+21 bps
Return on Equity3.16%2.77%3.70%3.99%5.01%+185 bps
Net Interest Margin3.11%3.37%3.49%3.81%3.76%+65 bps
Efficiency Ratio94.13%87.48%82.90%74.44%72.07%-2,206 bps
Non-Interest Burden2.88%2.84%2.75%2.66%2.51%-37 bps
Growth
Asset Growth (YoY)145.25%157.72%95.27%88.70%6.42%-13,883 bps
Loan Growth (YoY)163.02%148.32%79.31%73.42%2.52%-16,050 bps
Deposit Growth (YoY)149.88%156.04%92.10%83.79%1.52%-14,836 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.15%0.16%0.17%0.32%0.20%+5 bps
Allowance / Loans0.48%0.52%0.50%0.52%0.54%+6 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 Capital11.11%12.66%12.70%12.85%13.12%+201 bps
Equity / Assets11.69%13.15%12.81%13.07%13.07%+138 bps
Liquidity & Funding
Loans / Deposits81.28%83.58%83.21%83.75%82.08%+80 bps
Liquid Assets / Assets2.90%2.37%3.42%2.19%3.73%+84 bps
CRE / Total Capitaln/an/an/an/an/an/an/a