Lenoir, NC · Cert 57158
FDIC
Q1 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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.85% | -1.92% | -1.82% | 0.45%1 | -0.29% | -0.93% | -1.20% | -0.36% | -81 bps | |
| Return on Equity | -71.01% | -50.18% | -49.73% | 15.70% | -10.45% | -34.86% | -49.12% | -24.53% | -4,023 bps | |
| Net Interest Margin | 2.80% | 2.97% | 2.94% | 2.94% | 2.83% | 2.85% | 2.92% | 2.98% | +4 bps | |
| Efficiency Ratio | 116.93% | 112.26% | 117.18% | 118.60% | 117.62% | 118.56% | 119.68% | 107.34% | -1,127 bps | |
| Non-Interest Burden | 3.41% | 3.43% | 3.59% | 3.65% | 3.51% | 3.57% | 3.70% | 3.26% | -39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.04% | -0.01% | -2.96% | -1.99% | -6.29% | -5.25% | -4.48% | -2.95% | -96 bps | |
| Loan Growth (YoY) | -1.35% | -8.30% | -9.91% | -12.39% | -15.50% | -4.59% | -0.67% | 1.57% | +1,397 bps | |
| Deposit Growth (YoY) | 4.05% | 2.90% | -1.39% | -0.34% | -5.98% | -4.23% | -3.08% | -1.80% | -145 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 | 5.10% | 5.14% | 3.94% | 2.72% | 1.85% | 1.95% | 1.94% | 0.30% | -242 bps | |
| Allowance / Loans | 3.82% | 3.15% | 3.32% | 2.80% | 2.91% | 2.84% | 2.96% | 2.83% | +3 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 | 5.24% | 5.45% | 5.03% | 5.14% | 4.95% | 4.09% | 3.39% | 3.23% | -191 bps | |
| Equity / Assets | 3.14% | 3.31% | 2.96% | 2.79% | 2.65% | 2.22% | 1.57% | 1.39% | -140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.07% | 70.08% | 70.06% | 70.57% | 67.47% | 69.81% | 71.80% | 72.99% | +243 bps | |
| Liquid Assets / Assets | 8.51% | 8.92% | 9.85% | 10.41% | 10.46% | 6.30% | 6.93% | 6.61% | -380 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |