Hendersonville, NC · Cert 57763
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32%1 | 0.20%1 | -0.36% | 0.56%1 | 0.28% | 0.98% | 0.44% | 0.16% | -41 bps | |
| Return on Equity | 11.98% | 7.48% | -13.73% | 21.06% | 9.86% | 45.48% | 29.61% | 10.88% | -1,019 bps | |
| Net Interest Margin | 2.85% | 2.78% | 2.85% | 2.78% | 2.85% | 2.74% | 2.95% | 2.86% | +8 bps | |
| Efficiency Ratio | 84.00% | 88.62% | 90.56% | 80.17% | 78.01% | 76.21% | 87.50% | 94.84% | +1,467 bps | |
| Non-Interest Burden | 2.28% | 2.40% | 2.53% | 2.03% | 2.06% | 1.86% | 2.52% | 2.71% | +67 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.15% | -1.35% | -0.25% | 1.49% | -0.39% | -4.33% | -6.97% | -9.45% | -1,093 bps | |
| Loan Growth (YoY) | -16.01% | -14.44% | -11.55% | -7.98% | -6.80% | -7.87% | -10.94% | -13.75% | -577 bps | |
| Deposit Growth (YoY) | 0.52% | 1.93% | 2.76% | 1.66% | -0.85% | -3.07% | -5.89% | -7.83% | -949 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 | 1.32% | 1.06% | 1.67% | 1.23% | 0.89% | 0.24% | 1.80% | 1.41% | +18 bps | |
| Allowance / Loans | 2.57% | 2.59% | 2.76% | 2.72% | 2.86% | 2.89% | 2.57% | 2.30% | -42 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 | 5.73% | 5.89% | 5.80% | 6.11% | 6.41% | 7.00% | 7.41% | 7.68% | +157 bps | |
| Equity / Assets | 2.65% | 2.71% | 2.59% | 2.77% | 2.82% | 1.48% | 1.47% | 1.43% | -134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.86% | 57.55% | 55.92% | 57.53% | 56.27% | 54.70% | 52.92% | 53.83% | -370 bps | |
| Liquid Assets / Assets | 4.60% | 3.97% | 5.59% | 4.25% | 5.07% | 25.83% | 26.92% | 25.67% | +2,142 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |