Shelby, NC · Cert 4910
FDIC
Q2 2013
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.19% | 0.27%1 | -0.39% | -4.47% | -1.92% | -211 bps | |
| Return on Equity | 1.64% | 2.35% | -3.41% | -38.74% | -16.42% | -1,807 bps | |
| Net Interest Margin | 3.16% | 3.03% | 2.93% | 2.55% | 2.86% | -30 bps | |
| Efficiency Ratio | 65.58% | 68.02% | 71.74% | 244% | 160.62% | +9,504 bps | |
| Non-Interest Burden | 1.83% | 1.83% | 1.90% | 7.47% | 5.15% | +331 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.41% | -4.64% | -4.96% | -19.44% | -20.06% | -1,165 bps | |
| Loan Growth (YoY) | -8.41% | -10.55% | -8.45% | -8.35% | -10.99% | -258 bps | |
| Deposit Growth (YoY) | -6.69% | -5.73% | -3.75% | -7.84% | -8.58% | -189 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.42% | 2.46% | 2.18% | -0.24% | 0.23% | -118 bps | |
| Allowance / Loans | 3.79% | 3.39% | 3.23% | 3.17% | 3.16% | -62 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 16.87% | 17.42% | 19.22% | 17.85% | 18.73% | +186 bps | |
| Equity / Assets | 11.74% | 11.47% | 11.19% | 11.98% | 12.03% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.73% | 73.03% | 73.97% | 76.77% | 73.74% | -199 bps | |
| Liquid Assets / Assets | 14.33% | 15.23% | 16.85% | 4.58% | 7.51% | -682 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |