Durham, NC · Charter 14159
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Durham, NC · Charter 14159
Q3 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 7.75% | 4.74% | -2.52% | -3.30% | -2.12% | -1.59% | 0.00% | -566% | -56,236 bps | |
| Return on Equity | 8.08% | 5.32% | -2.77% | -3.53% | -2.26% | -1.70% | 0.00% | -566% | -56,213 bps | |
| Net Interest Margin | 16.27% | 11.72% | 0.31% | 0.21% | 0.14% | 0.10% | 0.00% | 0.00% | -21 bps | |
| Efficiency Ratio | 56.49% | 62.94% | 913% | 1699% | 1641% | 1641% | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -72.00% | -69.35% | -70.28% | -71.63% | 0.04% | -6.41% | -3.94% | -99.86% | -2,822 bps | |
| Loan Growth (YoY) | -100.00% | -100.00% | -100.00% | -100.00% | n/a | n/a | n/a | n/a | n/a | |
| Share Growth (YoY) | -99.40% | -97.64% | -97.64% | -97.64% | 276% | 0.00% | 0.00% | -100.00% | -236 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Risk-Based Capital | 95.96% | 89.08% | 90.80% | 93.59% | 93.59% | 93.59% | 93.59% | 100.00% | +641 bps | |
| Net Worth / Assets | 95.96% | 89.08% | 90.80% | 93.59% | 93.59% | 93.59% | 93.59% | 100.00% | +641 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |