Asheville, NC · Cert 58701
FDIC
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -12.28% | -9.92% | -9.02% | -8.21% | -9.11% | -7.60% | -7.29% | -0.02% | +819 bps | |
| Return on Equity | -685% | -542% | -477% | -374% | -424% | -360% | -341% | -0.71% | +37,324 bps | |
| Net Interest Margin | 1.97% | 2.33% | 2.24% | 1.96% | 1.98% | 2.01% | 1.86% | 1.88% | -8 bps | |
| Efficiency Ratio | n/a | n/a | 3067% | n/a | n/a | n/a | 6859% | 1038% | n/a | |
| Non-Interest Burden | 9.46% | 9.67% | 9.18% | 10.32% | 11.05% | 9.73% | 9.33% | 8.52% | -180 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -47.49% | -43.04% | -33.64% | -27.12% | -9.91% | -10.55% | -11.65% | -19.42% | +770 bps | |
| Loan Growth (YoY) | -30.54% | -26.81% | -27.03% | -30.55% | -29.00% | -26.90% | -27.07% | -24.01% | +655 bps | |
| Deposit Growth (YoY) | -47.21% | -42.54% | -34.78% | -26.73% | -9.61% | -10.72% | -11.81% | -19.71% | +702 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 | 0.73% | 1.91% | 1.65% | -0.18% | 5.35% | 3.95% | 4.04% | 2.74% | +292 bps | |
| Allowance / Loans | 9.13% | 8.69% | 9.75% | 10.92% | 8.77% | 8.89% | 9.33% | 6.53% | -439 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 | 4.21% | 3.88% | 4.28% | 4.56% | 4.25% | 4.22% | 4.77% | 5.01% | +44 bps | |
| Equity / Assets | 2.32% | 1.96% | 2.19% | 2.20% | 2.06% | 1.99% | 2.26% | 2.56% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.45% | 75.01% | 71.99% | 66.90% | 63.20% | 61.41% | 59.53% | 63.32% | -358 bps | |
| Liquid Assets / Assets | 18.40% | 22.19% | 24.15% | 29.81% | 29.89% | 31.67% | 34.51% | 28.60% | -121 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |