Shelby, NC · Cert 4910
FDIC
Q2 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.53% | 0.09% | 0.45% | -0.08% | 0.44%1 | -2.39% | -4.47% | 0.87% | +95 bps | |
| Return on Equity | -4.98% | 0.86% | 3.97% | -0.67% | 3.76% | -21.13% | -38.74% | 7.22% | +790 bps | |
| Net Interest Margin | 3.16% | 3.09% | 3.23% | 3.01% | 2.74% | 2.55% | 2.55% | 2.94% | -8 bps | |
| Efficiency Ratio | 65.54% | 61.53% | 63.80% | 67.53% | 73.50% | 84.62% | 244% | 78.75% | +1,122 bps | |
| Non-Interest Burden | 1.85% | 1.59% | 1.80% | 1.81% | 1.82% | 2.04% | 7.47% | 2.13% | +32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.56% | -9.75% | -8.44% | -8.41% | -4.64% | -4.96% | -19.44% | -20.06% | -1,165 bps | |
| Loan Growth (YoY) | -8.55% | -7.58% | -7.15% | -8.41% | -10.55% | -8.45% | -8.35% | -10.99% | -258 bps | |
| Deposit Growth (YoY) | -9.56% | -6.89% | -5.91% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.73% | 2.91% | 1.36% | 1.43% | 4.40% | 1.40% | -0.24% | 0.72% | -71 bps | |
| Allowance / Loans | 3.31% | 3.37% | 3.42% | 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 | 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 | 15.64% | 15.73% | 16.25% | 16.87% | 17.42% | 19.22% | 17.85% | 18.73% | +186 bps | |
| Equity / Assets | 10.78% | 11.18% | 11.40% | 11.74% | 11.47% | 11.19% | 11.98% | 12.03% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.96% | 77.77% | 77.20% | 75.73% | 73.03% | 73.97% | 76.77% | 73.74% | -199 bps | |
| Liquid Assets / Assets | 15.44% | 10.82% | 12.59% | 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 | n/a | n/a | n/a |