Wilmington, NC · Charter 10940
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Wilmington, NC · Charter 10940
Q3 2014
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.39% | -0.58% | -0.69% | -0.98% | -1.08% | -1.26% | -2.47% | -2.41% | -144 bps | |
| Return on Equity | -3.23% | -5.13% | -7.01% | -9.84% | -10.51% | -12.84% | -26.07% | -26.81% | -1,697 bps | |
| Net Interest Margin | 4.49% | 4.05% | 3.45% | 3.58% | 3.78% | 3.52% | 3.52% | 3.56% | -2 bps | |
| Efficiency Ratio | 102.54% | 110.23% | 111.76% | 109.73% | 113.65% | 129.21% | 137.62% | 132.50% | +2,277 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.66% | 0.72% | 12.66% | 5.70% | 7.04% | 1.53% | -13.41% | -10.74% | -1,644 bps | |
| Loan Growth (YoY) | -6.32% | -6.53% | -11.08% | -8.85% | -9.52% | -8.07% | -3.89% | -9.79% | -94 bps | |
| Share Growth (YoY) | -3.63% | 1.62% | 15.52% | 7.71% | 9.24% | 3.19% | -13.02% | -9.84% | -1,755 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.22% | 1.74% | 2.52% | 4.61% | 2.98% | 3.25% | 3.30% | 3.91% | -70 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 | 0.45% | 0.51% | 0.41% | 0.69% | 0.66% | 0.28% | 0.85% | 0.93% | +24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.12% | 11.20% | 9.91% | 9.92% | 10.25% | 9.80% | 9.48% | 8.99% | -93 bps | |
| Net Worth / Assets | 12.12% | 11.20% | 9.91% | 9.92% | 10.25% | 9.80% | 9.48% | 8.99% | -93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.85% | 52.13% | 44.21% | 47.54% | 48.74% | 46.44% | 48.86% | 47.57% | +2 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |