Greensboro, NC · Cert 91309
FDIC
Q2 2003
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 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.25% | -5.97% | -4.61% | -3.03% | -2.51% | -2.31% | -0.69% | -0.40% | +263 bps | |
| Return on Equity | n/a | n/a | -7.46% | -4.87% | -4.03% | -3.75% | -1.25% | -0.74% | +413 bps | |
| Net Interest Margin | 0.84% | 0.83% | 0.87% | 0.87% | 0.80% | 0.73% | 0.87% | 1.08% | +21 bps | |
| Efficiency Ratio | 138.14% | 139.74% | 147.04% | 129.95% | 124.75% | 123.20% | 107.39% | 103.60% | -2,635 bps | |
| Non-Interest Burden | 8.60% | 8.31% | 8.28% | 5.88% | 4.93% | 4.50% | 1.94% | 1.61% | -427 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.83% | 60.11% | 37.09% | 29.84% | 32.95% | 0.65% | 16.86% | 17.76% | -1,209 bps | |
| Loan Growth (YoY) | 135.31% | 154.93% | 79.08% | 41.21% | 40.84% | 7.64% | -5.94% | 7.97% | -3,323 bps | |
| Deposit Growth (YoY) | 11.16% | 14.31% | 11.77% | 5.24% | 14.42% | 18.74% | 68.69% | 57.40% | +5,216 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.71% | 0.54% | 0.78% | 0.88% | 0.89% | 0.88% | 0.97% | 0.93% | +5 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 | 29.96% | 29.89% | 24.33% | 21.40% | 22.50% | 20.53% | 20.65% | 18.92% | -248 bps | |
| Equity / Assets | 51.59% | 62.27% | 61.33% | 63.14% | 61.84% | 59.58% | 51.44% | 53.01% | -1,013 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 41.78% | 51.97% | 53.85% | 55.38% | 51.43% | 47.11% | 30.03% | 37.99% | -1,739 bps | |
| Liquid Assets / Assets | 1.00% | 0.88% | 0.81% | 1.60% | 3.50% | 2.91% | 1.35% | 0.24% | -136 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |