Each depositor insured to at least $250,000 per insured bank

Home > Industry Analysis > Research & Analysis > QBP Home
Printer Friendly Version
Institution Type:  
Geographical Area:  
Report Date:  



State Banking Performance Summary
FDIC-Insured Institutions

All Insured Institutions
North Carolina
March 31, 2014
All Insured Institutions
North Carolina
March 31, 2013
All Insured Institutions
North Carolina
March 31, 2012
      (dollar figures in millions) All
Institutions
Assets
less than
$100 million
Assets
greater than
$100 million
All
Institutions
Assets
less than
$100 million
Assets
greater than
$100 million
All
Institutions
Assets
less than
$100 million
Assets
greater than
$100 million
Number of institutions reporting76 15 61 87 18 69 94 18 76
Total employees (full-time equivalent)203,612 188 203,424 218,780 217 218,563 225,399 215 225,184
AGGREGATE CONDITION AND INCOME DATA                 
Net income (year-to-date)3,507 -0 3,507 5,468 1 5,467 3,634 0 3,633
Total assets1,703,604 774 1,702,830 1,699,243 944 1,698,298 1,684,845 928 1,683,916
Earning assets1,460,903 705 1,460,197 1,452,036 859 1,451,176 1,414,459 846 1,413,613
Total loans & leases933,431 513 932,918 922,951 601 922,350 883,613 617 882,996
Other real estate owned2,306 4 2,302 3,976 11 3,966 4,816 14 4,802
Total deposits1,316,924 629 1,316,295 1,301,631 772 1,300,859 1,273,681 762 1,272,918
Equity capital209,453 121 209,332 204,664 140 204,524 200,612 128 200,484
PERFORMANCE RATIOS (YTD, %)                 
Yield on earning assets2.84 4.10 2.84 3.07 4.48 3.07 3.35 4.49 3.35
Cost of funding earning assets0.18 0.83 0.18 0.28 0.73 0.28 0.38 1.02 0.38
Net interest margin2.67 3.28 2.67 2.78 3.75 2.78 2.97 3.46 2.97
Noninterest income to avg. earning assets2.21 0.65 2.21 3.17 0.58 3.17 2.48 0.64 2.48
Noninterest expense to avg. earning assets3.47 3.77 3.47 3.40 3.63 3.40 3.63 3.66 3.63
Net charge-offs to loans & leases0.26 0.29 0.26 0.67 0.14 0.67 1.10 0.92 1.10
Credit-loss provision to net charge-offs44.08 71.86 44.07 56.24 -129.41 56.27 73.49 21.46 73.52
Net operating income to average assets0.79 -0.19 0.79 1.28 0.58 1.28 0.74 0.10 0.74
Retained earnings to average equity0.62 -2.42 0.62 9.77 3.95 9.78 -2.42 1.45 -2.42
Pre tax return on assets1.20 0.03 1.20 1.97 0.78 1.97 1.26 0.38 1.27
Return on assets0.83 -0.17 0.83 1.28 0.60 1.28 0.86 0.21 0.86
Return on equity6.77 -1.07 6.78 10.73 4.07 10.74 7.22 1.52 7.22
Percent of unprofitable institutions14.47 33.33 9.84 11.49 5.56 13.04 17.02 11.11 18.42
Percent of institutions with earning gains50.00 20.00 57.38 55.17 44.44 57.97 63.83 66.67 63.16
CONDITION RATIOS (%)                 
Net loans and leases to assets54.00 65.45 54.00 53.24 62.78 53.23 50.89 65.01 50.88
Loss allowance to:                 
    Loans and leases1.44 1.20 1.44 1.98 1.38 1.98 2.97 2.12 2.97
    Noncurrent loans a34.51 58.42 34.51 30.47 50.33 30.46 38.77 64.27 38.76
Noncurrent loans & leases to                 
    total loans & leas4.18 2.05 4.18 6.51 2.74 6.51 7.65 3.30 7.66
Nonperforming assets to assets2.44 1.86 2.44 3.79 2.86 3.79 4.32 3.67 4.32
Core deposits to total liabilities78.70 66.59 78.70 77.95 69.83 77.95 73.19 69.50 73.19
Equity capital to total assets12.29 15.60 12.29 12.04 14.84 12.04 11.91 13.79 11.91
Core capital (leverage) ratio9.14 15.57 9.14 8.85 14.59 8.85 8.68 13.63 8.68
Total capital to risk-weighted assets13.88 26.45 13.88 14.21 25.17 14.20 15.61 23.37 15.61
Gross 1-4 family mortgages to gross assets21.33 37.66 21.32 23.00 34.85 23.00 24.26 35.95 24.25
Gross real estate assets to gross assets44.91 66.71 44.90 47.74 64.56 47.73 49.31 67.61 49.30
Source: Call Report and Thrift Financial Report
Prepared by the FDIC-Division of Insurance and Research
Questions, Suggestions & Requests