Gastonia, NC · Cert 57717
FDIC
Q3 2009
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | -0.76% | 0.28% | -0.02% | -1.04% | -1.67% | -3.48% | -2.74% | -272 bps | |
| Return on Equity | 3.92% | -6.37% | 2.33% | -0.16% | -9.20% | -17.47% | -38.18% | -30.76% | -3,060 bps | |
| Net Interest Margin | 3.90% | 2.84% | 2.79% | 2.83% | 2.45% | 2.50% | 2.53% | 2.54% | -28 bps | |
| Efficiency Ratio | 78.65% | 113.92% | 115.13% | 116.06% | 119.68% | 119.40% | 162.40% | 149.02% | +3,297 bps | |
| Non-Interest Burden | 3.00% | 3.27% | 3.26% | 3.31% | 2.97% | 3.00% | 4.01% | 3.54% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.68% | -7.48% | -14.79% | 7.98% | 17.23% | 11.08% | 18.63% | -2.72% | -1,070 bps | |
| Loan Growth (YoY) | -12.41% | -16.25% | -17.44% | -4.05% | 8.83% | 6.73% | 6.83% | 0.00% | +405 bps | |
| Deposit Growth (YoY) | -13.42% | -6.84% | -10.12% | 7.76% | 11.04% | 6.72% | 20.47% | -0.48% | -824 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% | 0.08% | -0.81% | -0.24% | 1.02% | 1.62% | 1.53% | 1.07% | +131 bps | |
| Allowance / Loans | 2.21% | 2.30% | 2.17% | 1.84% | 1.59% | 1.62% | 1.58% | 1.93% | +9 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 | 15.57% | 15.30% | 16.13% | 14.69% | 13.38% | 12.92% | 11.42% | 11.01% | -368 bps | |
| Equity / Assets | 12.26% | 11.63% | 12.64% | 10.67% | 9.66% | 9.49% | 8.19% | 8.25% | -242 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.33% | 89.22% | 94.19% | 87.54% | 93.44% | 89.23% | 83.52% | 87.96% | +42 bps | |
| Liquid Assets / Assets | 0.14% | 0.30% | 0.16% | 0.26% | 2.48% | 2.45% | 3.10% | 0.32% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |