Archives

7/27/13
www.sec.gov/Archives/edgar/data/714530/000114420413041434/v350979_ex99-1.htm
EX-99.1 2 v350979_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1
NAS DAQ:
NBBC
www. n e wb r i d g e b a n k . c o m
KE E F E ,
BRUYE T T E
&
OODS
F o u r t e e n t h
An n u a l
Co m
u n i t y
Ba n k
I n v e s t o r
Co n f e r e n c e
2 0 1 3
1/16
7/27/13
I n f o r m Co m
a t i o n
i n
t h i s e r s
p r e s e n t a t i o n o r v e n d o r s ,
a y
c o n t a i n
f o r wa r d i n
l o o k i n g r a t e s ,
s t a t e m
e n t s . o f
S u c h
s t a t e m e n t
e n t s
i n v o l v e
k n o wn
a n d
u n k n o wn o f
r i s k s , c a p i t a l
u n c e r t a i n t i e s a n d
a n d o r
o t h e r
f a c t o r s
t h a t i c
a y
c a u s e
a c t u a l
r e s u l t s
t o
d i f f e r a r e
a t e r i a l l y . i n
F o r wa r d t h e Co m
l o o k i n g
s t a t e m
e n t s t h e
a r e
o f t e n
c h a r a c t e r i z e d wi t h o u t
b y l i m
t h e
u s e
o f
q u a l i f y i n g F o r m s 1 0 -
wo r d s K, 1 0
s u c h Q
a s a n d
e x p e c t s , 8 K.
a n t i c i p a t e s , Ba n c o r p
b e l i e v e s , u n d e r t a k e s n o
e s t i m
a t e s ,
p l a n s , t o r e v i s e
p r o j e c t s , t h e s e s t a t e m
o r
o t h e r
s t a t e m
e n t s t h e
c o n c e r n i n g d a t e o f t h i s
o p i n i o n s
o r
j u d g m 2
e n t s F ORW
o f ARD
t h e -
Co m
p a n y
a n d
i t s E NT S
a n a g e m
e n t
a b o u t
f u t u r e
e v e n t s .
Th e
a c c u r a c y
o f
s u c h
f o r wa r d
l o o k i n g
s t a t e m
e n t s
c o u l d
b e
a f f e c t e d
b y
f a c t o r s
i n c l u d i n g ,
b u t
n o t
l i m
i t e d
t o ,
t h e
f i n a n c i a l
s u c c e s s
o r
c h a n g i n g
c o n d i t i o n s
o r
s t r a t e g i e s
o f
t h e
p a n y s
c u s t o m
f l u c t u a t i o n s
i n t e r e s t
a c t i o n s
g o v e r n m
r e g u l a t o r s ,
t h e
a v a i l a b i l i t y
p e r s o n n e l ,
g e n e r a l
e c o n o m
c o n d i t i o n s .
Ad d i t i o n a l
f a c t o r s
d i s c u s s e d
p a n y s
f i l i n g s
wi t h
S EC,
i n c l u d i n g
i t a t i o n ,
Ne wBr i d g e
o b l i g a t i o n s
e n t s
f o l l o wi n g
p r e s e n t a t i o n .
L OOKI NG
S T AT E M
2/16
7/27/13
NE W
BRI DGE
BANCORP Re c e n t
S NAP S HOT P r i c e 1
Vi s i o n : : $ 8 . 2 5
To TCB
b e V:
h i g h $ 5 . 0 2
p e r f o r m
i n g
c o m
m M
u n i t y a r k e t
b a n k Ca p 1
b y : :
u n d e r s t a n d i n g m i l l i o n
a n d
e x c e e d i n g $ 1 . 7 3
c l i e n t
e x p e c t a t i o n s $ 1 . 2 0
s u p p o r t i n g
o u r
c o m $ 1 . 3 6
u n i t i e s b i l l i o n 1
p r o v i d i n g b a s e d o n
a b o v e 1 9 ,
a v e r a g e 2 0 1 3
s h a r e h o l d e r 3
r e t u r n s
l i v i n g
o u r
Gu i d i n g
P r i n c i p l e s
i n
a l l
t h a t
we
d o
i s s i o n :
To
b e
t h e
p r e f e r r e d
f i n a n c i a l
p a r t n e r
f o r
s m
a l l
a n d
i d s i z e
b u s i n e s s e s
a n d
r e t a i l
c l i e n t s
b y :
u s i n g
c l i e n t
c e n t r i c ,
c o n s u l t a t i v e
a p p r o a c h
g r o wi n g
i n
a r k e t s
p r o v i d i n g
a b o v e
a v e r a g e
r e s u l t s
o f f e r i n g
c r e d i t
c o n s i s t e n t l y
wh i l e
b a l a n c i n g
r i s k s
a n d
r e t u r n s
s u p p o r t i n g
o u r
c l i e n t s
a n d
e m
p l o y e e s
e m
p l o y i n g
p r o f e s s i o n a l s
t h a t
l i v e
o u r
Gu i d i n g
P r i n c i p l e s
a n d
a r e
c o m
i t t e d
t o
b e i n g
t h e
b e s t
Ti c k e r :
NBBC
P r i c e / T CBV:
1 6 4 %
$ 2 3 4
As s e t s :
b i l l i o n
Lo a n s :
b i l l i o n
De p o s i t s :
J u l y
p r i c e
3/16
7/27/13
P ROGRE S S
S I NCE
2 0 0 7
F ORM
AT I ON
( M
OE )
As s e m
b l e d
e x p e r i e n c e d
a n a g e m
e n t
t e a m
Ch a n g e d
b a l a n c e
s h e e t
i x
t o
a x i m
i z e
a r g i n s
a n d
p o s i t i o n
f o r
g r o wt h
Es t a b l i s h e d
n e w
Cr e d i t
Cu l t u r e
a n d
a d d r e s s e d
l e g a c y
p r o b l e m
l o a n s
F o r m
e d
n e w
S a l e s
Cu l t u r e
a n d
r e
p o s i t i o n e d
t a l e n t
i n
L OB
s t r u c t u r e
S t r e n g t h e n e d
n o n
i n t e r e s t
i n c o m
l i n e s
( m
o r t g a g e ,
we a l t h
a n a g e m
e n t )
Re
p o s i t i o n e d
e x i s t i n g
b r a n c h
f o o t p r i n t
a n d
e x p a n d e d
i n
g r o wt h
a r k e t s
El i m
i n a t e d
c o s t s
a n d
r e
d e p l o y e d
r e s o u r c e s
t o
g r o wt h
a r k e t s
Re s o l v e d
c a p i t a l
s t r u c t u r e
4/16
7/27/13
RE CE NT 6 . 3 %
F I NANCI AL 4 . 9 % 7 . 0 %
P E RF ORM 1 3 . 8 %
ANCE 1 . 3 Q
1 Q 1 2 -
1 2
2 Q
1 2 Co m
3 Q
1 2
( 1 ) i m
4 Q
1 2
1 Q
1 3 t h e
2 Q
1 3
Ne t
I n t e r e s t
a r g i n a n d
4 . 1 5 %
4 . 1 8 % t h e
4 . 0 2 %
3 . 9 1 % r a i s e
3 . 9 2 % 2 .
3 . 9 8 % l o a n
Op e r a t i n g g r o wt h -
Re s u l t s q u a r t e r l y
Ne t
i n t e r e s t
i n c o m g r o wt h
1 6 , 1 7 2 $ f o r
1 6 , 3 2 3 $ l o a n s
1 5 , 6 7 8 $ f o r
1 5 , 3 9 3 $
1 5 , 0 5 7 $
1 5 , 4 1 0 $
P r o v i s i o n
f o r
l o a n
l o s s e s
3 , 4 4 3
2 , 3 6 1
2 8 , 8 8 1
1 , 2 0 9
9 7 9
1 , 0 3 7
Ne t
i n t e r e s t
i n c o m
b e f o r e
p r o v i s i o n
1 2 , 7 2 9
1 3 , 9 6 2
( 1 3 , 2 0 3 )
1 4 , 1 8 4
1 4 , 0 7 8
1 4 , 3 7 3
Ne t
n o n i n t e r e s t
e x p e n s e
( 1 0 , 6 0 2 )
( 1 2 , 7 2 8 )
( 2 2 , 9 4 7 )
( 9 , 2 4 7 )
( 9 , 3 4 8 )
( 9 , 3 4 7 )
I n c o m
( l o s s )
b e f o r e
t a x e s
2 , 1 2 7 $
1 , 2 3 4 $
( 3 6 , 1 5 0 ) $
4 , 9 3 7 $
4 , 7 3 0 $
5 , 0 2 6 $
P r e - t a x
ROAA
0 . 4 9 %
0 . 2 8 %
n / a
1 . 1 6 %
1 . 1 1 %
1 . 1 6 %
I m
p r o v e d
Lo a n
Qu a l i t y
Cl a s s i f i e d
a s s e t
r a t i o
7 2 %
6 3 %
4 8 %
3 1 %
2 7 %
2 0 %
Co r e
l o a n
g r o wt h
( 2 )
- 6 . 0 %
0 . 5 %
Th e
p a n y
p l e m
e n t e d
a s s e t
d i s p o s i t i o n
p l a n
a n n o u n c e d
c a p i t a l
Co r e
a n n u a l i z e d
r a t e
h e l d
i n v e s t m
e n t ,
e x c l u d e s
p u r c h a s e d
l o a n s .
5/16
7/27/13
CURRE NT
P OS I T I ON
QUAL I T Y
As s e t
Di s p o s i t i o n
P l a n
r e s u l t e d
i n
$ 1 0 6
i l l i o n
r e d u c t i o n
i n
c l a s s i f i e d
l o a n s
2 Q
2 0 1 3
n o n
p e r f o r m
i n g
a s s e t s
a t
1 . 0 6 %
o f
t o t a l
a s s e t s
Cr e d i t
c y c l e
c u m
u l a t i v e
c h a r g e
o f f s
a n d
l o s s
o n
ORE O
t o t a l e d
$ 1 9 4
i l l i o n
o r
1 2 . 4 %
o f
p e a k
l e v e l
l o a n s
Re s e r v e s
t o
NP L s
o f
1 9 1 %
a t
2 Q
2 0 1 3
2 0 , 0 0 0
4 0 , 0 0 0
6 0 , 0 0 0
8 0 , 0 0 0
1 0 0 , 0 0 0
1 2 0 , 0 0 0
1 4 0 , 0 0 0
1 6 0 , 0 0 0
1 8 0 , 0 0 0
2 0 0 , 0 0 0
Cl a s s i f i e d
As s e t s
( $ 0 0 0 )
P e r f o r m
i n g
c l a s s i f i e d
a s s e t s
ORE O
No n p e r f o r m
i n g
Lo a n s
0 %
1 0 %
2 0 %
3 0 %
4 0 %
5 0 %
6 0 %
7 0 %
8 0 %
9 0 %
1 Q1 1
2 Q1 1
3 Q1 1
4 Q1 1
1 Q1 2
2 Q1 2
3 Q1 2
4 Q1 2
1 Q1 3
2 Q1 3
Cl a s s i f i e d
As s e t
Ra t i o
( %
6/16
7/27/13
CURRE NT
P OS I T I ON
P ROF I T ABI L I T Y
a n a g e d
NI M
i n
p e r i o d
o f
o u n t i n g
r a t e
c o m
p r e s s i o n
As s e t
s e n s i t i v e
p o s i t i o n
wi l l
r e s u l t
i n
n e t
i n t e r e s t
i n c o m
i n c r e a s e
i n
r i s i n g
r a t e
e n v i r o n m
e n t
2 Q
2 0 1 3
a v e r a g e
c o s t
o f
d e p o s i t s
o f
2 6
b p s
Co s t
s a v i n g s
o f
$ 1 6
i l l i o n
( a n n u a l
b a s i s )
s i n c e
2 0 0 7
a l l o we d
Ba n k
t o
r e
d e p l o y
r e s o u r c e s
i n
g r o wt h
a r k e t s
3 . 7 0
3 . 8 0
3 . 9 0
4 . 0 0
4 . 1 0
4 . 2 0
4 . 3 0
4 . 4 0
1 Q1 1
2 Q1 1
3 Q1 1
4 Q1 1
1 Q1 2
2 Q1 2
3 Q1 2
4 Q1 2
1 Q1 3
2 Q1 3
Ne t
I n t e r e s t
a r g i n
( %
5 0 , 0 0 0
5 5 , 0 0 0
6 0 , 0 0 0
6 5 , 0 0 0
7 0 , 0 0 0
7 5 , 0 0 0
No n
I n t e r e s t
Ex p e n s e
Le s s
ORE O
Ex p e n s e
( $ 0 0 0 )
7/16
7/27/13
CURRE NT
P OS I T I ON
GROW
TH
TTM
c o r e
l o a n
g r o wt h
o f
1 0 %
5 0 %
o f
l o a n
g r o wt h
s t e m
i n g
f r o m
n e wl y
o p e n e d
o f f i c e s
i n
Ra l e i g h
a n d
Ch a r l o t t e
Co r e
l o a n
g r o wt h
g i v i n g
r i s e
t o
n e t
i n t e r e s t
i n c o m
i n
o s t
r e c e n t
q u a r t e r
2 Q
2 0 1 3
n e t
i n t e r e s t
i n c o m
i n c r e a s e d
$ 4 0 0 , 0 0 0
o v e r
1 Q
2 0 1 3
1 3 , 5 0 0
1 4 , 0 0 0
1 4 , 5 0 0
1 5 , 0 0 0
1 5 , 5 0 0
1 6 , 0 0 0
1 6 , 5 0 0
1 7 , 0 0 0
1 7 , 5 0 0
1 8 , 0 0 0
1 Q1 1
2 Q1 1
3 Q1 1
4 Q1 1
1 Q1 2
2 Q1 2
3 Q1 2
4 Q1 2
1 Q1 3
2 Q1 3
Ne t
I n t e r e s t
I n c o m
( $ 0 0 0
7 5 0 , 0 0 0
8 5 0 , 0 0 0
9 5 0 , 0 0 0
1 , 0 5 0 , 0 0 0
1 , 1 5 0 , 0 0 0
1 , 2 5 0 , 0 0 0
1 , 3 5 0 , 0 0 0
Lo a n s
Ou t s t a n d i n g
( $ 0 0 0 )
Cl a s s i f i e d
Lo a n s
No n
Cl a s s i f i e d
Lo a n s
8/16
7/27/13
GROW
TH
S T RAT E GI E S
NBBC
f r a n c h i s e
i s
s t r a t e g i c a l l y
l o c a t e d
t h r o u g h o u t
h i g h
g r o wt h
a r k e t s
o f
No r t h
Ca r o l i n a
Re c e n t
a d d i t i o n s
o f
t h e
Ra l e i g h
a n d
Ch a r l o t t e
a r k e t s
a n d
e x p a n s i o n
o f
t h e
i l m
i n g t o n
a r k e t
h a v e
p o s i t i o n e d
NBBC
f o r
i n c r e a s e d
r e t u r n s
a n a g e m
e n t
c o n t i n u e s
t o
e v a l u a t e
g r o wt h
i n i t i a t i v e s
i n
NC
a n d
o t h e r
r e g i o n a l
a r k e t s
t h r o u g h :
Or g a n i c
g r o wt h
LP O
De No v o
e r g e r s
&
Ac q u i s i t i o n s
9/16
7/27/13
GROW
TH
S T RAT E GI E S
ORGANI C
o v e d
f r o m
g e o g r a p h i c
b a s e d
s t r u c t u r e
t o
Li n e s
o f
Bu s i n e s s e s
t o
b e t t e r
a d d r e s s
c l i e n t
n e e d s
Hi r e d
b a n k i n g
p r o f e s s i o n a l s
t o
g r o w
e x i s t i n g
a r k e t s
Co m
e r c i a l
Ba n k i n g
a n a g e r s
CRE
S p e c i a l i s t s
Bu i l d e r
F i n a n c e
S p e c i a l i s t s
e a l t h
a n a g e m
e n t
t e a m
o f f e r s
s e r v i c e s
r a n g i n g
f r o m
r e t a i l
i n v e s t m
e n t s
t o
i n
h o u s e
o n e y
a n a g e m
e n t ;
a s s e t s
u n d e r
a n a g e m
e n t
t r i p l e d
i n
j u s t
o v e r
y e a r s
Ot h e r
n o n
i n t e r e s t
i n c o m
d r i v e n
b y
o r t g a g e
Ba n k i n g
e x p a n s i o n
a n d
d e p o s i t
p r o d u c t
r e
p o s i t i o n i n g
( c o n s o l i d a t i o n
a n d
r e v e n u e
e n h a n c e m
e n t s )
1 0
10/16
7/27/13
GROW W i l m
TH
S T RAT E GI E S NC
NE W
M 8 . 5 8
ARKE T S 5
Vi r g i n i a NC
Be a c h 3 6 8 , 2 8 7
S A 1 . 1 2
Ri c h m 1 7
o n d
S A
Co l u m S C
b i a
S A
Ro a n o k e 1 2 M
Bl a c k s b u r g Be a c h ,
M S C
S A
Ch a r l e s t o n 1 2 . 3 1
M 2
S A
S p a r t a n b u r g VA
&
Gr e e n v i l l e 3 . 9 8
M 1 4
S As
y r t l e o n t
Be a c h
S A
Ly n c h b u r g Ch a p e l
S A
S o u r c e :
S NL
F i n a n c i a l M S A
P o u l a t i o n M S A
P r o j .
Gr o wt h M S A
M W
a r k e t i l m
Ac t u a l i n g t o n M
Gr o wt h S A
Ra n k
Ch a r l o t t e Ch a r l o t t e
Ga s t o n i a , S A 1 1
NC
1 , 8 1 2 , 3 6 0
8 . 7 9 %
Vi r g i n i a
Be a c h ,
VA
1 , 6 8 5 , 6 1 0
1 . 4 7
1 6
P i e d m
o n t
Tr i a d ,
NC
1 , 3 8 5 , 0 1 0
4 . 1
1 3
Ri c h m
o n d ,
VA
1 , 2 8 5 , 2 9 6
4 . 8 3
1 1
Ra l e i g h - Ca r y
1 , 1 7 7 , 3 6 1
1 2 . 9 3
Co l u m
b i a ,
S C
7 8 8 , 4 1 8
6 . 9 4
Ch a r l e s t o n ,
S C
6 8 8 , 6 2 8
9 . 4 9
Gr e e n v i l l e ,
S C
6 5 1 , 3 9 3
6 . 4 6
Du r h a m
- Ch a p e l
Hi l l ,
NC
5 2 1 , 0 1 4
7 . 0 0
Ro a n o k e - Bl a c k s b u r g ,
VA
4 7 6 , 4 6 8
2 . 0 8
1 5
As h e v i l l e ,
NC
4 3 5 , 5 5 6
5 . 2 9
1 0
F a y e t t e v i l l e ,
NC
3 7 8 , 4 1 9
8 . 2 3
i n g t o n ,
3 7 3 , 4 6 4
Hi c k o r y ,
S p a r t a n b u r g .
2 8 8 , 0 4 6
4 . 4 7
y r t l e
2 8 1 , 2 0 7
Ly n c h b u r g ,
2 5 7 , 7 5 0
P i e d m
Tr i a d
Du r h a m
Hi l l
F a y e t t e v i l l e
As h e v i l l e
Hi c k o r y
Ra l e i g h
11/16
7/27/13
S E CURI T Y
S AVI NGS
ACQUI S I T I ON e n t o f
e t r o
i l m a t
i n g t o n t h e
i s
a o f
g r o wi n g 2 0 1 2 i s
a n d a
d y n a m o f
i c
e c o n o m
i c t o
a r k e t
Bu i l d
o u t o f
o f
c o a s t a l S S B
f r a n c h i s e
l e v e r a g e s p l e m e n t s
e x i s t i n g NBBC s
NBBC
l e a d e r s h i p s a l e s
a n d
i n f r a s t r u c t u r e i n i t s E
i n
t h e C
r e g i o n a r o l i n a
Co a s t a l f r a n c h i s e
e x p a n s i o n
c o n s i s t e n t NBBC a s
wi t h t h e
NBBC s # 1 c o m m
s t r a t e g i c u n i t y
g r o wt h i n
p l a n W
i l m
Cu l t u r a l i n g t o n M
s i m S A
i l a r i t y
a n d M
c o m
u n i t y
b a s e d
b a n k
o p e r a t i n g I m p a c t W
Ga i n i n g -
c r i t i c a l
a s s
a p p r o a c h i n g 1 2
$ 2 . 0
b i l l i o n
i n
a s s e t s
S i g n i f i c a n t
EP S
a c c r e t i o n
a n d
f a v o r a b l e
TBV
p a y b a c k
p e r i o d
Re v e n u e
s y n e r g i e s
l i k e l y
t h r o u g h
NBBC s
we a l t h
a n a g e m
e n t
a n d
o r t g a g e
b a n k i n g
b u s i n e s s e s
a n a g e a b l e
a s s e t
q u a l i t y
NBBC
i n
a s s e t
q u a l i t y
r e s o l u t i o n
Es t a b l i s h e s
NBBC
a s
a n
a c t i v e
a c q u i r e r
i n
t h e
Ca r o l i n a s
S t r a t e g i c
d e p l o y m
c a p i t a l
r a i s e d
e n d
s i g n
s t r e n g t h
i n v e s t o r s
Ad d i t i o n
k e y
p e r s o n n e l
c o m
e x i s t i n g
l e a d e r s h i p
a s t e r n
P o s i t i o n s
b a n k
t h e
At t r a c t i v e
a r k e t s
S t r o n g
F i n a n c i a l
e l l
P o s i t i o n e d
F r a n c h i s e
12/16
7/27/13
NBBC:
P OS I T I ONE D
F OR
S UCCE S S
QUAL I T Y:
Cr e d i t
e t r i c s
s h o w
c o n t i n u e d
i m
p r o v e m
e n t
a n d
c r e d i t
a d m
i n i s t r a t i o n
i n f r a s t r u c t u r e
c a p a b l e
o f
s u p p o r t i n g
s u s t a i n e d
g r o wt h
P ROF I T ABI L I T Y:
Ba l a n c e
s h e e t
i x
a n d
p r o d u c t
o f f e r i n g s
r e
t o o l e d
t o
a x i m
i z e
a r g i n s
a n d
e a r n i n g s
GROW
T H:
Li n e
o f
Bu s i n e s s
s t r u c t u r e
c a n
b e
l e v e r a g e d
t o
s u p p o r t
o r g a n i c
g r o wt h ,
a c q u i s i t i o n s ,
a n d
e n t r y
i n t o
n e w
a r k e t s
1 3
13/16
7/27/13
AP P E NDI X 1 2 . 5 - 2 6 . 1
P OT E NT I AL 7 . 2 2 . 9
E XP ANS I ON 2 2 . 8
ARKE T S
No t e :
GDP P o i n t
d a t a ( T) 2 4 . 2
i s
o s t
r e c e n t l y 7 3 5 , 9 2 9
a v a i l a b l e 4 . 6
wh i c h 2 1 . 1
i s
2 0 1 1
a t
M 1 . 8
S A
l e v e l ,
2 0 1 2 W
a t
s t a t e
l e v e l
a n d ( T) - 3 1 . 8
1 Q 1 3 2 0 3 . 4
f o r 3 5 . 0
n a t i o n a l 4 8 5 , 0 5 4
S o u r c e : 4 . 1 VA
S NL
F i n a n c i a l , 1 9 . 7 1 5 . 1
U. S . 0 . 7
Bu r e a u 1 7 , 8 8 0 1 4 . 0
o f
Ec o n o m
i c s
&
U. S .
Bu r e a u
o f
Ce n s u s 4 9 4 . 0 NC
k t 2 . 5 - -
S h a r e
De m
o g r a p h i c 4 1 , 1 9 3 5 . 3
Da t a 1 6 . 6
Ec o n o m 1 0 . 5
i c
Da t a - -
NBBC - -
M W
a r k e t i l m 4 . 4
2 0 1 2 i n g t o n
P r o j . 3 3 8 . 0
'1 7
2 0 1 2
Hs h l d
P r o j . 8 . 6
'1 7
Hs h l d s 1 8 . 2 1 4 . 2
Un e m 9 . 2
p . 1 . 4
Re a l
Nu m
b e r 7 . 5
o f
Bl d n g
P r m M
De p o s i t s De p o s i t s Vi r g i n i a - 4 . 3
P o p u l a t i o n VA 1 . 1 - -
Gr o wt h
I n c o m
e 1 . 5
Gr o wt h 5 3 , 4 8 4 1 . 9
>
$ 1 0 0 , 0 0 0 1 2 . 0 1 9 . 6 - 9 . 7
Ra t e 6 . 1
GDP - 0 . 8
Bu s i n e s s e s 5 8 , 7 1 4 S C 1 6 . 9 - -
Gr o wt h Ri c h m
( $ M o n d ,
i l ) VA
( $ Bi l ) - 3 0 . 3
( Ac t u a l )
( %
) 4 . 8
( Ac t u a l ) 5 5 , 7 1 2
( % 1 4 . 3
( % 2 3 . 1 M
( % 6 . 0
( %
( Ac t u a l ) 1 2 . 4 - -
( Gwt h Co l u m
Cu r r e n t S C 1 2 . 3 - -
NC 1 5 . 3
a r k e t s 7 8 8 , 4 1 8 1 4 . 8
Ch a r l o t t e 6 . 9 4 6 , 3 4 6 - 0 . 2
Ga s t o n i a 1 3 . 9 1 6 . 5
- 6 . 9
2 0 1 . 1 0 . 4
1 , 8 1 2 , 3 6 0 2 8 , 5 8 3 1 8 . 8 VA - -
8 . 8
5 2 , 1 1 0
1 1 . 8 S C 4 . 0
2 1 . 4 - -
8 . 9
2 . 4
7 2 , 1 1 4 9 . 5
1 2 . 4 4 8 , 2 9 4
Ra l e i g h - Ca r y 1 1 . 9 1 7 . 3
- -
2 3 . 8 2 . 7
1 , 1 7 7 , 3 6 1 6 . 9
1 2 . 9
5 6 , 6 7 8 S C
4 5 , 4 8 5
Gr e e n s b o r o - Hi g h 1 5 . 2 8 . 9 6 . 5 2 . 8
6 1 5 . 8
1 0 . 5
4 1 , 4 7 7 NC - -
1 4 . 0
9 . 5 7 . 0 2 7 . 0
3 1 , 5 1 8 1 5 . 9
- 2 3 . 1 2 0 . 7
i n s t o n - S a l e m 2 . 2 1 9 , 0 8 3
4 2 , 5 6 7 - 9 . 8
8 . 5 2 . 1
- 2 9 . 2 1 4 . 7 2 0 . 2
Th o m 5 . 9
a s v i l l e - Le x i n g t o n 1 8 , 7 9 3 - 9 9 . 4
( T)
1 6 4 , 0 2 7 7 . 0
1 . 5
9 . 5
5 , 3 4 2 0 . 6
5 . 9 NC
3 7 3 , 4 6 4 - 2 . 9
4 3 , 4 4 9 8 . 2
1 7 , 4 0 5 9 . 9 2 . 3
Ex p a n s i o n 1 0 . 6
a r k e t s NC
Be a c h , 3 6 8 , 2 8 7
2 1 . 3
1 , 6 8 5 , 6 1 0 1 8 . 0 9 . 5
1 , 2 8 5 , 2 9 6 1 3 . 0
0 . 9
4 7 , 9 6 6 S C
b i a ,
Ch a r l e s t o n , 4 . 4 2 5 7 , 7 5 0
9 . 6
6 8 8 , 6 2 8 1 4 . 6
6 . 4
2 7 , 7 8 3
Gr e e n v i l l e , 3 4 0 . 1
1 1 . 2
6 5 1 , 3 9 3 6 . 2
6 . 5
4 2 , 1 4 7 1 8 . 5
1 9 . 2 1 5 . 2
2 4 , 7 1 3 4 . 4
Du r h a m - -
- Ch a p e l 1 6 9 . 0
Hi l l ,
7 . 9
5 2 1 , 0 1 4 1 5 . 5
4 7 , 3 5 9 5 . 6 1 . 1
6 . 8 2 0 . 3
Ro a n o k e - Bl a c k s b u r g , 6 7 . 4 4 , 7 3 9 , 8 4 0 6 . 2
4 7 6 , 4 6 8 1 3 . 9
4 4 , 2 8 4 2 . 7
0 . 4
As h e v i l l e ,
4 3 5 , 5 5 6 5 0 , 1 5 7
4 0 , 2 5 0 2 0 . 3 7 . 6
2 0 . 7 1 . 8
1 1 . 9
6 . 9
1 9 , 1 6 2 1 4
F a y e t t e v i l l e ,
3 7 8 , 4 1 9
4 0 , 0 0 7
1 9 . 2
1 2 . 1
1 2 , 5 5 7
Hi c k o r y ,
3 7 , 8 2 9
1 0 . 1
1 2 , 9 2 8
S p a r t a n b u r g .
3 . 6
2 8 8 , 0 4 6
4 . 5
4 1 , 0 6 2
2 0 . 2
7 . 7
1 . 9
1 0 , 4 6 8
6 1 . 9
y r t l e
Be a c h ,
5 . 3
2 8 1 , 2 0 7
3 9 , 5 4 5
1 0 . 6
8 . 3
1 6 , 1 0 6
- 2 8 . 7
Ly n c h b u r g ,
4 3 , 7 6 7
1 3 . 9
6 . 4
- 0 . 3
9 , 1 5 1
2 0 . 3
No r t h
Ca r o l i n a
1 , 6 5 1 . 1
9 , 7 5 9 , 3 3 2
4 2 , 9 0 0
2 . 7
3 8 0 , 4 0 2
Vi r g i n i a
8 , 1 4 2 , 1 2 2
4 . 4
5 8 , 3 6 9
2 9 9 , 0 7 9
S o u t h
Ca r o l i n a
- -
4 1 , 4 2 5
1 7 . 1
7 . 8
1 7 9 , 9 7 2
Un i t e d
S t a t e s
8 , 0 6 4 . 6
3 1 3 , 1 2 9 , 0 1 7
3 . 5
1 3 . 4
1 2 , 4 9 2 , 7 5 9
2 8 . 0
14/16
7/27/13
AP P E NDI X As h e v i l l e
P OT E NT I AL Ra l e i g h
E XP ANS I ON US A
ARKE T S
No t e : M
Re g i o n a l Be a c h
i s
s t a t e
a v e r a g e P - Tr i a d
f o r W
NC,
S C,
T N,
VA,
S o u r c e :
S NL
F i n a n c i a l p l o y m
5 6 , 6 7 8 e n t Ra t e
5 5 , 7 1 2 2 0 . 7 %
5 3 , 4 8 4 2 0 . 2 %
5 2 , 1 1 0 1 9 . 2 %
5 0 , 1 5 7 1 9 . 2 %
4 8 , 2 9 4 1 9 . 1 %
4 7 , 3 5 9 1 8 . 2 %
4 6 , 3 4 6 1 8 . 0 %
4 5 , 9 6 6 1 7 . 0 %
4 4 , 2 8 4 1 4 . 8 %
4 3 , 7 6 7 1 4 . 6 %
4 3 , 4 4 9 1 4 . 3 %
4 2 , 1 4 7 1 4 . 0 %
4 1 , 7 4 6 1 4 . 0 %
4 1 , 0 6 2 1 3 . 9 %
4 0 , 2 5 0 1 3 . 4 %
4 0 , 0 0 7 1 2 . 5 %
3 9 , 5 4 5 1 2 . 0 %
3 7 , 8 2 9 1 1 . 9 %
Ra l e i g h 1 1 . 8 %
Ri c h m
o n d
Vi r g i n i a
Be a c h
Ch a r l o t t e
US A
Ch a r l e s t o n
Du r h a m W
Co l u m i l m
b i a
Re g i o n a l Hi c k o r y
Ro a n o k e M
Ly n c h b u r g y r t l e
i l m
i n g t o n
Gr e e n v i l l e Ri c h m o n d
P - Tr i a d Ro a n o k e
S p a r t a n b u r g Du r h a m Co l u m
As h e v i l l e b i a US A
F a y e t t e v i l l e Ra l e i g h
y r t l e Be a c h
Be a c h
Hi c k o r y
e d i a n
Ho u s e h o l d P r o j e c t e d
I n c o m I n c o m
e e
5 . 9 % Gr o wt h
6 . 0 % '1 2
6 . 1 % t o '1 7
6 . 4 % 1 5
6 . 4 %
6 . 5 %
6 . 8 %
6 . 9 %
6 . 9 %
7 . 2 %
7 . 6 %
7 . 6 %
7 . 7 %
8 . 3 %
8 . 9 %
9 . 2 %
9 . 2 %
9 . 9 %
1 0 . 1 %
Ro a n o k e
Ri c h m
o n d
Vi r g i n i a
Be a c h
Ch a r l e s t o n
Ly n c h b u r g
Gr e e n v i l l e
Du r h a m
Co l u m
b i a
Re g i o n a l
S p a r t a n b u r g
y r t l e
Ch a r l o t t e
i l m
i n g t o n
Hi c k o r y
Un e m
As h e v i l l e
S p a r t a n b u r g
Gr e e n v i l l e
P - Tr i a d
i n g t o n
Re g i o n a l
Be a c h
Ly n c h b u r g
Vi r g i n i a
Ch a r l e s t o n
Ch a r l o t t e
15/16
7/27/13
CONT ACT
I NF ORM
AT I ON
P r e s s l e y
Ri d g i l l
P r e s i d e n t
a n d
Ch i e f
Ex e c u t i v e
Of f i c e r
( 3 3 6 )
3 6 9
0 9 0 3
p r e s s l e y . r i d g i l l @
n e wb r i d g e b a n k . c o m
Ra m
s e y
Ha m
a d i
Ch i e f
F i n a n c i a l
Of f i c e r
( 3 3 6 )
3 6 9
0 9 7 5
r a m
s e y . h a m
a d i @
n e wb r i d g e b a n k . c o m
Ad d i t i o n a l
i n f o r m
a t i o n
c a n
b e
f o u n d
a t
www. n e wb r i d g e b a n k . c o m
1 6
16/16

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7/27/13

EX-99.1 2 v350979_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1

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