Winston Salem, NC · Charter 1554
Q4 2000
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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.13% | 6.13% | 3.93% | 4.13% | 3.02% | 0.13% | 1.00% | 0.07% | -407 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.29% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 5.17% | 3.07% | 4.45% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 97.59% | 68.28% | 66.29% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.46% | -9.67% | -7.02% | -7.10% | -4.69% | 1.21% | -21.14% | -22.63% | -1,553 bps | |
| Loan Growth (YoY) | -23.66% | -27.51% | -37.20% | -38.98% | -16.59% | -22.73% | -33.03% | -35.42% | +356 bps | |
| Share Growth (YoY) | -0.96% | -14.85% | -11.09% | -10.89% | -8.42% | 0.58% | -15.66% | -29.00% | -1,811 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.61% | 7.27% | 5.81% | 8.32% | 5.41% | 4.52% | 10.88% | 6.52% | -180 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 | 5.96% | 3.53% | 4.04% | 3.61% | 3.07% | 2.35% | 3.11% | 1.04% | -257 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 22.35% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 22.35% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.87% | 75.82% | 63.58% | 53.39% | 62.73% | 58.25% | 50.48% | 48.57% | -483 bps | |
| Liquid Assets / Assets | 36.03% | 25.82% | 24.62% | 30.96% | 31.79% | 35.08% | 0.00% | 60.37% | +2,941 bps | |