Greensboro, NC · Charter 17149
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.00% | 0.41% | 0.68% | 0.57% | 1.29% | 0.80% | 0.76% | +8 bps | |
| Return on Equity | 1.40% | 0.00% | 1.20% | 1.86% | 1.56% | 3.58% | 2.21% | 1.87% | +1 bps | |
| Net Interest Margin | 5.92% | 7.17% | 7.21% | 7.17% | 6.91% | 5.80% | 5.85% | 8.06% | +89 bps | |
| Efficiency Ratio | 87.21% | 86.55% | 84.03% | 83.47% | 86.34% | 91.26% | 93.67% | 94.37% | +1,090 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.24% | -9.87% | -12.74% | -16.70% | -16.11% | -7.93% | -4.06% | -11.47% | +522 bps | |
| Loan Growth (YoY) | 10.45% | 7.29% | 1.94% | -16.97% | -18.28% | -16.40% | -15.43% | -8.23% | +874 bps | |
| Share Growth (YoY) | 0.67% | -14.19% | -18.74% | -24.40% | -23.76% | -12.58% | -7.02% | -17.26% | +714 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.58% | 2.18% | 4.11% | 6.53% | 4.30% | 2.35% | 5.81% | 4.28% | -225 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 | 0.25% | 0.60% | 0.75% | 0.86% | 0.77% | 0.72% | 0.59% | 0.66% | -20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.06% | 32.48% | 34.21% | 36.45% | 36.40% | 36.16% | 36.39% | 40.67% | +422 bps | |
| Net Worth / Assets | 30.06% | 32.48% | 34.21% | 36.45% | 36.40% | 36.16% | 36.39% | 40.67% | +422 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.32% | 115.01% | 123.12% | 117.55% | 111.81% | 109.98% | 111.99% | 130.38% | +1,283 bps | |
| Liquid Assets / Assets | 25.07% | 20.34% | 17.32% | 23.63% | 27.38% | 27.61% | 26.83% | 21.26% | -237 bps | |