Durham, NC · Cert 58475
FDIC
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.44% | 0.17% | 0.15% | 0.21% | 0.40% | 0.48% | -1.91% | -206 bps | |
| Return on Equity | 9.14% | 5.07% | 1.98% | 1.59% | 2.01% | 3.55% | 4.19% | -16.14% | -1,773 bps | |
| Net Interest Margin | 3.38% | 3.24% | 3.19% | 2.78% | 3.06% | 3.28% | 3.13% | 3.10% | +32 bps | |
| Efficiency Ratio | 65.77% | 62.21% | 65.78% | 73.74% | 64.96% | 75.94% | 71.73% | 85.53% | +1,179 bps | |
| Non-Interest Burden | 2.03% | 1.76% | 1.88% | 1.78% | 1.77% | 2.32% | 1.93% | 2.56% | +78 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.40% | 13.15% | 13.38% | 5.22% | -6.76% | -9.86% | -13.43% | -15.74% | -2,095 bps | |
| Loan Growth (YoY) | 13.89% | 9.60% | 9.63% | -3.13% | -8.17% | -10.55% | -14.25% | -13.82% | -1,069 bps | |
| Deposit Growth (YoY) | 19.66% | 11.86% | 14.53% | 6.41% | -6.69% | -12.28% | -14.99% | -13.78% | -2,019 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 | 1.67% | 0.63% | 0.00% | 3.99% | 0.31% | 0.07% | 0.15% | 5.03% | +104 bps | |
| Allowance / Loans | 1.52% | 1.57% | 1.80% | 1.16% | 1.41% | 1.53% | 1.67% | 1.64% | +48 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 | 15.45% | 15.53% | 15.53% | 16.29% | 17.01% | 17.63% | 17.57% | 17.91% | +162 bps | |
| Equity / Assets | 8.61% | 8.87% | 8.65% | 10.03% | 10.86% | 11.46% | 11.65% | 12.00% | +197 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.35% | 97.69% | 93.59% | 92.08% | 94.82% | 99.62% | 94.39% | 92.03% | -4 bps | |
| Liquid Assets / Assets | 11.15% | 10.39% | 11.75% | 12.78% | 10.58% | 8.25% | 9.71% | 9.04% | -374 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |