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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 0.13%, up 75 bps year over year; NIM at 2.81%.
  • 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 (YTD, annualized)

0.13%+75 bps YoY

Net Interest Margin (YTD, annualized)

2.81%+2 bps YoY

Efficiency Ratio (YTD, annualized)

90.44%-782 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.87%Q2 ’075.79%Q2 ’084.89%Q2 ’09-24%+1%

Non-interest income vs. expense

4.02%Q2 ’073.18%Q2 ’083.10%Q2 ’09-24%-9%

Year to date, annualized, through each quarter.

MetricQ3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets-0.12%-0.08%-1.23%-0.62%-0.28%-0.19%0.18%0.13%+75 bps
Return on Equity-0.75%-0.52%-9.75%-5.36%-2.60%-1.75%1.96%1.38%+674 bps
Net Interest Margin3.73%3.38%2.97%2.80%2.58%2.50%2.70%2.81%+2 bps
Efficiency Ratio96.90%98.39%107.43%98.26%91.93%90.12%88.26%90.44%-782 bps
Non-Interest Burden3.60%3.31%3.23%2.74%2.33%2.21%2.31%2.49%-25 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 / Loans0.00%0.01%0.57%0.23%0.15%0.29%0.01%0.01%-22 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