Concord, NC · Cert 57545
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15%1 | 0.14%1 | -0.09% | 0.15% | 0.11% | 0.35%1 | 0.92% | 0.36% | +21 bps | |
| Return on Equity | 1.61% | 1.56% | -0.90% | 1.57% | 1.13% | 3.76% | 9.93% | 3.88% | +231 bps | |
| Net Interest Margin | 3.65% | 3.60% | 3.58% | 3.58% | 3.47% | 3.37% | 3.01% | 3.13% | -45 bps | |
| Efficiency Ratio | 77.72% | 77.49% | 87.72% | 86.40% | 86.93% | 86.21% | 70.96% | 90.43% | +403 bps | |
| Non-Interest Burden | 2.70% | 2.64% | 3.03% | 2.98% | 2.90% | 2.81% | 1.72% | 2.72% | -26 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 | 1.62% | 1.97% | 1.51% | 0.89% | 0.96% | 0.84% | 0.10% | 0.30% | -59 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 |