Cary, NC · Charter 61388
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 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.
Cary, NC · Charter 61388
Q2 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.99% | -1.69% | 0.22% | -0.86% | -2.39% | -2.94% | -2.32% | -2.26% | -139 bps | |
| Return on Equity | -6.81% | -11.91% | 1.56% | -6.67% | -20.21% | -26.94% | -22.55% | -22.24% | -1,557 bps | |
| Net Interest Margin | 1.77% | 2.05% | 2.01% | 1.81% | 1.33% | 1.72% | 1.26% | 1.68% | -14 bps | |
| Efficiency Ratio | 155.74% | 174.62% | 96.06% | 124.57% | 196.05% | 213% | 274% | 230% | +10,514 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.79% | -6.88% | -7.24% | -2.08% | -3.78% | -1.24% | 0.42% | -6.59% | -452 bps | |
| Loan Growth (YoY) | -10.22% | -4.55% | -6.29% | -11.53% | -8.52% | -13.72% | -12.32% | -8.34% | +319 bps | |
| Share Growth (YoY) | -2.49% | -5.02% | -4.67% | 0.03% | -1.30% | 2.30% | 4.16% | -3.88% | -391 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 12.83% | 6.23% | 0.00% | 0.00% | 9.22% | 0.00% | 2.65% | +265 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.73% | 0.73% | 0.53% | 0.57% | 0.54% | 0.82% | 0.86% | 0.89% | +32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.51% | 14.23% | 13.90% | 12.94% | 11.85% | 10.93% | 10.28% | 10.15% | -279 bps | |
| Net Worth / Assets | 14.51% | 14.23% | 13.90% | 12.94% | 11.85% | 10.93% | 10.28% | 10.15% | -279 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.18% | 25.25% | 23.83% | 21.22% | 22.41% | 21.30% | 20.06% | 20.24% | -99 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |