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Tristone Community Bank

Winston-Salem, NC · Cert 57854

FDIC

Q2 2009

$164.5MAssets
$135.1MLoans
$141.9MDeposits
$14.4MEquity
Loan mix
85%RE $101.2M15%C&I $18.2M0%Consumer $0.2MQ3 2007Q2 2009
Deposit mix
95%Interest-bearing $134.4M5%Noninterest $7.5MQ3 2007Q2 2009

Executive Summary

  • Earnings: ROA of 0.07%, up 17 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 95.21% of deposits as of Q2 2009.

Return on Assets (quarter, annualized)

0.07%+17 bps YoY

Net Interest Margin (quarter, annualized)

2.96%0 bps YoY

Efficiency Ratio (quarter, annualized)

92.46%+225 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.16%Q2 ’075.88%Q2 ’084.91%Q2 ’09-23%+0%

Non-interest income vs. expense

4.08%Q2 ’073.11%Q2 ’083.29%Q2 ’09-27%+3%

Discrete quarter, annualized.

MetricQ3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets0.07%0.02%-1.23%-0.10%0.29%0.07%0.18%0.07%+17 bps
Return on Equity0.45%0.17%-9.75%-0.91%2.96%0.76%1.96%0.81%+172 bps
Net Interest Margin3.94%3.54%2.97%2.96%2.83%2.66%2.70%2.96%0 bps
Efficiency Ratio95.19%102.48%107.43%90.21%81.48%85.20%88.26%92.46%+225 bps
Non-Interest Burden3.72%3.64%3.23%2.62%2.20%2.19%2.31%2.69%+7 bps
Growth
Asset Growth (YoY)31.53%29.79%37.84%50.94%55.42%45.24%29.29%18.59%-3,235 bps
Loan Growth (YoY)41.50%42.25%52.30%76.23%64.37%46.72%32.13%9.65%-6,657 bps
Deposit Growth (YoY)39.89%35.98%34.48%40.56%46.05%40.50%32.55%30.22%-1,034 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.02%0.57%0.00%0.00%0.70%0.01%0.01%+1 bps
Allowance / Loans1.17%1.00%1.00%0.93%0.99%0.93%0.95%0.99%+6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital18.76%16.94%15.31%13.30%13.20%13.41%13.10%13.34%+4 bps
Equity / Assets14.72%13.73%11.59%10.09%9.33%9.36%9.10%8.73%-135 bps
Liquidity & Funding
Loans / Deposits93.51%96.12%100.81%113.07%105.24%100.38%100.49%95.21%-1,786 bps
Liquid Assets / Assets1.07%0.43%0.03%0.03%0.03%3.08%1.97%10.32%+1,028 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a