Matthews, NC · Charter 64022
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.
Matthews, NC · Charter 64022
Q4 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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.27% | -0.02% | -0.34% | 0.14% | 0.30% | -0.13% | -0.29% | +5 bps | |
| Return on Equity | 3.48% | 1.84% | -0.10% | -2.38% | 1.03% | 2.24% | -0.96% | -2.14% | +23 bps | |
| Net Interest Margin | 1.71% | 1.38% | 1.39% | 1.38% | 1.28% | 1.32% | 1.44% | 1.37% | -1 bps | |
| Efficiency Ratio | 70.21% | 81.01% | 101.04% | 96.19% | 89.45% | 78.02% | 75.75% | 93.68% | -252 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.87% | -1.63% | 1.81% | 7.30% | 7.11% | 7.26% | 3.63% | 1.89% | -541 bps | |
| Loan Growth (YoY) | -22.99% | -20.97% | -18.86% | -9.23% | -12.64% | -14.92% | -17.02% | -18.31% | -908 bps | |
| Share Growth (YoY) | -3.78% | -1.35% | 2.28% | 9.29% | 8.83% | 8.78% | 5.08% | 2.55% | -675 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.08% | 4.94% | 4.08% | 4.10% | 3.69% | 3.71% | 3.51% | 1.36% | -274 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 | 2.22% | 2.33% | 2.47% | 2.12% | 2.15% | 2.44% | 3.76% | 2.24% | +11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.97% | 14.89% | 14.52% | 14.20% | 13.57% | 13.58% | 13.41% | 13.65% | -56 bps | |
| Net Worth / Assets | 14.97% | 14.89% | 14.52% | 14.20% | 13.57% | 13.58% | 13.41% | 13.65% | -56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 23.99% | 23.48% | 22.03% | 22.50% | 19.26% | 18.36% | 17.39% | 17.92% | -458 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |