Lucama, NC · Cert 8939
FDIC
Q2 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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33%1 | 0.34%1 | 0.40% | 0.36% | 0.32%1 | 0.24%1 | -0.34% | -0.63% | -100 bps | |
| Return on Equity | 3.04% | 3.04% | 3.59% | 3.23% | 2.86% | 2.19% | -3.14% | -5.96% | -919 bps | |
| Net Interest Margin | 3.48% | 3.42% | 3.08% | 3.11% | 3.11% | 3.04% | 2.85% | 2.85% | -26 bps | |
| Efficiency Ratio | 88.54% | 90.07% | 87.18% | 87.50% | 93.85% | 99.80% | 102.66% | 120.80% | +3,330 bps | |
| Non-Interest Burden | 3.01% | 3.02% | 2.58% | 2.63% | 2.87% | 3.03% | 2.94% | 3.58% | +95 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.70% | 1.03% | 3.15% | -1.51% | 1.55% | 0.57% | -1.55% | 0.64% | +215 bps | |
| Loan Growth (YoY) | -6.68% | -5.50% | -8.21% | -6.69% | -12.42% | -10.66% | -8.70% | -4.07% | +262 bps | |
| Deposit Growth (YoY) | 0.47% | 0.12% | 2.84% | -0.16% | 2.90% | 1.10% | -1.44% | 1.61% | +178 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 | 0.51% | 1.10% | 0.02% | 0.54% | 0.66% | 0.90% | 0.59% | 0.28% | -26 bps | |
| Allowance / Loans | 1.93% | 1.99% | 2.06% | 1.86% | 1.90% | 1.73% | 1.83% | 1.77% | -9 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 | 21.60% | 22.20% | 22.41% | 22.23% | 22.43% | 22.04% | 22.24% | 20.91% | -132 bps | |
| Equity / Assets | 11.39% | 11.33% | 10.88% | 11.40% | 11.15% | 10.98% | 10.81% | 10.12% | -128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.11% | 58.69% | 54.45% | 55.86% | 51.16% | 51.86% | 50.44% | 52.74% | -313 bps | |
| Liquid Assets / Assets | 4.33% | 7.04% | 5.82% | 2.93% | 4.63% | 4.16% | 5.97% | 4.80% | +187 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |