Fayetteville, NC · Cert 57609
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 | 1.33% | 1.18% | 1.31% | 1.55% | 1.35% | 1.06% | 0.71% | 1.41% | -14 bps | |
| Return on Equity | 16.57% | 14.93% | 11.68% | 11.53% | 10.08% | 8.11% | 5.37% | 10.38% | -114 bps | |
| Net Interest Margin | 4.42% | 4.00% | 4.28% | 4.19% | 3.96% | 4.04% | 3.99% | 3.87% | -32 bps | |
| Efficiency Ratio | 44.07% | 50.31% | 66.86% | 56.62% | 59.83% | 59.38% | 64.31% | 54.57% | -205 bps | |
| Non-Interest Burden | 1.75% | 1.82% | 2.71% | 2.09% | 2.18% | 2.20% | 2.41% | 1.87% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 59.29% | 42.77% | 122.30% | 84.36% | 87.26% | 80.24% | 9.33% | 8.03% | -7,632 bps | |
| Loan Growth (YoY) | 41.97% | 43.71% | 84.09% | 82.02% | 89.85% | 88.95% | 26.95% | 14.44% | -6,758 bps | |
| Deposit Growth (YoY) | 64.11% | 46.31% | 113.40% | 73.23% | 78.66% | 69.60% | 7.63% | 6.32% | -6,691 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 | 0.07% | 0.03% | 0.03% | 0.00% | 0.08% | 0.04% | 0.09% | 0.16% | +16 bps | |
| Allowance / Loans | 1.65% | 1.65% | 1.34% | 1.13% | 0.93% | 0.92% | 1.02% | 0.89% | -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 | 12.18% | 11.67% | 12.62% | 11.65% | 11.61% | 11.44% | 11.60% | 11.89% | +25 bps | |
| Equity / Assets | 8.01% | 7.74% | 13.28% | 13.70% | 13.17% | 13.02% | 13.37% | 13.87% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.19% | 77.27% | 76.70% | 86.08% | 83.08% | 86.09% | 90.46% | 92.65% | +658 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.34% | 0.30% | 0.11% | 0.09% | 0.08% | 0.04% | -26 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |