Concord, NC · Cert 57545
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 | -0.16% | 0.13% | -0.09% | 0.39% | 0.02% | 1.08%1 | 0.92% | -0.21% | -60 bps | |
| Return on Equity | -1.72% | 1.40% | -0.90% | 4.05% | 0.23% | 11.65% | 9.93% | -2.30% | -635 bps | |
| Net Interest Margin | 3.72% | 3.48% | 3.58% | 3.56% | 3.45% | 3.40% | 3.01% | 3.15% | -41 bps | |
| Efficiency Ratio | 78.10% | 76.79% | 87.72% | 85.04% | 88.00% | 83.84% | 70.96% | 112.88% | +2,783 bps | |
| Non-Interest Burden | 2.76% | 2.49% | 3.03% | 2.91% | 2.94% | 2.78% | 1.72% | 3.66% | +75 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.78% | -2.98% | -2.36% | 1.50% | 0.32% | 5.52% | 5.70% | 0.06% | -144 bps | |
| Loan Growth (YoY) | -3.08% | -8.12% | -6.33% | -12.47% | -10.34% | -8.05% | -10.82% | -8.35% | +411 bps | |
| Deposit Growth (YoY) | 1.62% | -3.71% | -2.31% | 2.38% | 1.16% | 5.71% | 5.79% | 1.76% | -62 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 | 0.10% | 2.77% | 1.51% | 0.18% | 1.06% | 0.44% | 0.10% | 0.50% | +32 bps | |
| Allowance / Loans | 2.08% | 1.82% | 1.68% | 1.82% | 1.78% | 1.78% | 1.74% | 1.59% | -23 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 | 13.71% | 14.32% | 14.14% | 14.67% | 14.69% | 15.45% | 16.08% | 16.05% | +138 bps | |
| Equity / Assets | 9.44% | 9.58% | 9.60% | 9.49% | 9.39% | 9.11% | 9.36% | 9.27% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.60% | 73.30% | 73.98% | 68.84% | 67.01% | 63.76% | 62.37% | 62.00% | -684 bps | |
| Liquid Assets / Assets | 3.45% | 7.47% | 7.64% | 9.10% | 2.96% | 15.63% | 13.51% | 9.15% | +5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |