Durham, NC · Cert 57172
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.82% | 0.66% | 0.34% | 0.61% | 0.40% | 3.26% | -1.19% | -153 bps | |
| Return on Equity | 1.61% | 7.36% | 5.93% | 3.22% | 6.06% | 4.02% | 31.24% | -11.18% | -1,440 bps | |
| Net Interest Margin | 3.73% | 3.93% | 3.76% | 3.53% | 3.42% | 3.41% | 3.23% | 2.91% | -62 bps | |
| Efficiency Ratio | 80.70% | 74.72% | 81.42% | 87.36% | 97.24% | 89.38% | 99.52% | 135.50% | +4,814 bps | |
| Non-Interest Burden | 2.96% | 2.83% | 3.01% | 3.06% | 3.32% | 3.02% | 3.21% | 4.02% | +96 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.70% | 21.41% | 18.46% | 15.61% | 12.33% | 9.67% | 10.86% | 4.54% | -1,108 bps | |
| Loan Growth (YoY) | 36.00% | 27.97% | 25.14% | 15.05% | 3.24% | -0.35% | 2.07% | -0.55% | -1,560 bps | |
| Deposit Growth (YoY) | 24.65% | 25.21% | 21.29% | 17.54% | 13.41% | 10.34% | 10.70% | 5.70% | -1,185 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 | 0.00% | 0.17% | 0.14% | 0.30% | -0.05% | 0.05% | 0.00% | 0.43% | +13 bps | |
| Allowance / Loans | 1.29% | 1.30% | 1.30% | 1.24% | 1.10% | 1.10% | 1.13% | 1.29% | +4 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 | 13.79% | 14.18% | 14.37% | 13.34% | 13.56% | 13.75% | 14.42% | 14.47% | +113 bps | |
| Equity / Assets | 11.20% | 11.19% | 11.11% | 10.01% | 10.01% | 10.13% | 10.71% | 10.51% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.57% | 102.68% | 99.89% | 95.97% | 94.28% | 92.73% | 92.09% | 90.30% | -568 bps | |
| Liquid Assets / Assets | 6.95% | 6.78% | 6.59% | 8.70% | 7.31% | 7.38% | 7.74% | 10.86% | +216 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |