PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Trinity Bank

Monroe, NC · Cert 35288

FDIC

Q3 2005

$164.0MAssets
$114.7MLoans
$133.8MDeposits
$13.9MEquity
Loan mix
48%RE $17.4M52%C&I $18.7M0%Consumer $0.1MQ4 2003Q3 2005
Deposit mix
92%Interest-bearing $123.8M8%Noninterest $10.0MQ4 2003Q3 2005

Executive Summary

  • Earnings: ROA of 0.69%, up 9 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.13%.
  • Funding: loans stand at 85.76% of deposits as of Q3 2005.

Return on Assets (YTD, annualized)

0.69%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.22%+45 bps YoY

Efficiency Ratio (YTD, annualized)

65.76%-1,204 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.22%Q3 ’034.80%Q3 ’045.62%Q3 ’05-1%+16%

Non-interest income vs. expense

3.00%Q3 ’032.60%Q3 ’042.45%Q3 ’05-11%-4%

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.36%0.56%0.57%0.60%1.40%0.61%0.64%0.69%+9 bps
Return on Equity4.57%6.13%6.48%6.98%16.17%6.95%7.39%8.01%+103 bps
Net Interest Margin2.79%3.05%2.83%2.77%2.83%3.23%3.26%3.22%+45 bps
Efficiency Ratio84.64%80.46%80.14%77.80%74.79%66.41%65.72%65.76%-1,204 bps
Non-Interest Burden2.26%2.34%2.15%2.03%1.98%1.98%1.97%1.95%-8 bps
Growth
Asset Growth (YoY)23.91%21.91%21.82%23.12%21.22%17.82%18.36%11.19%-1,193 bps
Loan Growth (YoY)18.20%15.59%9.73%12.16%11.41%10.53%20.45%12.08%-7 bps
Deposit Growth (YoY)22.95%19.18%21.45%26.33%21.97%19.56%12.14%7.61%-1,872 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.11%0.29%0.18%0.14%0.39%0.19%0.13%-5 bps
Allowance / Loans1.31%1.29%1.20%1.23%1.30%1.28%1.25%1.30%+7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital14.44%14.22%14.07%13.37%14.53%14.48%13.44%13.68%+30 bps
Equity / Assets9.11%9.17%8.10%8.19%8.81%8.73%8.41%8.45%+26 bps
Liquidity & Funding
Loans / Deposits88.90%90.05%83.26%82.33%81.20%83.25%89.43%85.76%+343 bps
Liquid Assets / Assets2.56%1.14%0.21%0.77%0.11%0.06%0.05%0.15%-62 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a