PackageTrendsPeer
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Community Bank of Rowan

China Grove, NC · Cert 58250

FDIC

Q4 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2011, the quarter ended December 31, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community Bank of Rowan

China Grove, NC · Cert 58250

FDIC

Q4 2011

$144.5MAssets
$108.9MLoans
$122.3MDeposits
$17.6MEquity
Loan mix
83%RE $81.3M15%C&I $15.2M2%Consumer $1.8MQ4 2010Q4 2011
Deposit mix
89%Interest-bearing $109.4M11%Noninterest $13.0MQ4 2010Q4 2011

NIM

4.57%Q4 ’094.18%Q4 ’104.70%Q4 ’11+2%+32%

Non-interest income vs. expense

1.99%Q4 ’092.35%Q4 ’102.62%Q4 ’11+15%-2%

Executive Summary

  • Earnings: ROA of 0.74%, up 152 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.20%.
  • Funding: loans stand at 89.02% of deposits as of Q4 2011.

Financial Results

Return on Assets (YTD, annualized)

0.74%+152 bps YoY

Net Interest Margin (YTD, annualized)

3.87%+94 bps YoY

Efficiency Ratio (YTD, annualized)

56.87%-1,292 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets-0.78%-0.21%0.78%0.97%0.74%+152 bps
Return on Equity-10.60%-2.91%8.98%10.11%7.30%+1,789 bps
Net Interest Margin2.93%2.96%3.22%3.60%3.87%+94 bps
Efficiency Ratio69.79%76.96%55.50%52.07%56.87%-1,292 bps
Non-Interest Burden1.91%2.20%1.41%1.56%1.88%-4 bps
Growth
Asset Growth (YoY)1.84%-4.63%4.22%-1.42%3.04%+120 bps
Loan Growth (YoY)-4.11%-7.43%-12.61%-11.01%5.67%+978 bps
Deposit Growth (YoY)12.46%4.42%4.49%-2.53%-3.20%-1,565 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.15%1.90%4.39%2.84%2.20%-95 bps
Allowance / Loans1.68%1.61%0.08%0.23%0.43%-125 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital11.30%10.81%14.25%14.08%13.04%+174 bps
Equity / Assets6.98%7.21%11.78%11.96%12.21%+523 bps
Liquidity & Funding
Loans / Deposits81.55%83.85%76.55%77.33%89.02%+747 bps
Liquid Assets / Assets16.94%13.32%19.67%18.87%4.07%-1,287 bps
CRE / Total Capitaln/an/an/an/an/an/an/a