Fuquay Varina, NC · Cert 58248
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Fuquay Varina, NC · Cert 58248
FDIC
Q4 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | -0.61% | -0.88% | -0.57% | 0.68% | 0.58% | 0.59% | 0.57% | +113 bps | |
| Return on Equity | 0.20% | -5.12% | -7.44% | -4.82% | 5.86% | 5.03% | 5.06% | 4.88% | +970 bps | |
| Net Interest Margin | 2.98% | 2.94% | 3.02% | 3.01% | 3.23% | 3.15% | 3.21% | 3.26% | +25 bps | |
| Efficiency Ratio | 97.99% | 97.01% | 95.50% | 93.12% | 78.99% | 80.06% | 82.04% | 82.54% | -1,059 bps | |
| Non-Interest Burden | 2.91% | 2.85% | 2.87% | 2.79% | 2.50% | 2.47% | 2.59% | 2.65% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.98% | -4.85% | -4.20% | -2.97% | 2.79% | 3.88% | 1.75% | 1.87% | +484 bps | |
| Loan Growth (YoY) | -8.24% | -9.40% | -1.92% | -1.96% | 4.41% | 8.08% | 8.21% | 10.20% | +1,216 bps | |
| Deposit Growth (YoY) | -2.33% | -5.05% | -4.08% | -2.97% | 3.57% | 4.44% | 1.41% | 0.16% | +314 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 | 0.43% | 0.41% | 1.02% | 0.77% | -0.03% | 0.05% | 0.04% | 0.23% | -54 bps | |
| Allowance / Loans | 1.54% | 1.90% | 1.81% | 1.92% | 1.89% | 1.93% | 1.90% | 1.70% | -21 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 | 16.22% | 16.45% | 15.51% | 15.71% | 15.46% | 15.39% | 15.38% | 15.46% | -25 bps | |
| Equity / Assets | 12.21% | 11.96% | 11.51% | 11.50% | 11.56% | 11.51% | 11.74% | 11.83% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.16% | 87.80% | 88.83% | 87.60% | 90.90% | 90.86% | 94.78% | 96.38% | +878 bps | |
| Liquid Assets / Assets | 4.57% | 7.44% | 5.29% | 3.96% | 2.63% | 4.54% | 1.91% | 1.72% | -224 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |