Monroe, NC · Charter 12638
Q2 2001
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.47% | 3.99% | 4.79% | 3.48% | 0.85% | -2.12% | -0.43% | 0.51% | -297 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -2.02% | 2.35% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 3.05% | 3.77% | 5.03% | 3.62% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 76.35% | 68.14% | 65.96% | 83.31% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.20% | 40.27% | 23.77% | 20.55% | 13.32% | -5.51% | -13.89% | -24.15% | -4,470 bps | |
| Loan Growth (YoY) | -3.20% | 9.44% | 10.53% | 13.17% | -5.46% | -9.30% | -20.23% | -25.20% | -3,837 bps | |
| Share Growth (YoY) | 31.44% | 44.32% | 24.56% | 20.97% | 12.81% | -6.85% | -17.57% | -29.16% | -5,013 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.21% | 0.05% | 4.68% | 5.18% | 4.33% | 6.11% | 11.50% | +682 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 | 1.59% | 0.69% | 0.54% | 0.29% | 0.54% | 2.69% | 3.47% | 3.78% | +349 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 21.46% | 21.59% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 21.46% | 21.59% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.99% | 42.58% | 52.32% | 45.73% | 47.76% | 41.46% | 50.63% | 48.29% | +256 bps | |
| Liquid Assets / Assets | 46.59% | 55.98% | 50.84% | 55.54% | 54.53% | 60.66% | 59.56% | 60.95% | +540 bps | |