Badin, NC · Charter 19647
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Badin, NC · Charter 19647
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.14% | 0.10% | -0.06% | -0.15% | -0.24% | -0.28% | -0.41% | -35 bps | |
| Return on Equity | 2.16% | 0.86% | 0.57% | -0.33% | -0.87% | -1.36% | -1.66% | -2.37% | -204 bps | |
| Net Interest Margin | 2.96% | 2.82% | 2.74% | 2.70% | 2.59% | 2.38% | 2.34% | 2.38% | -32 bps | |
| Efficiency Ratio | 86.64% | 88.62% | 93.12% | 97.89% | 102.43% | 109.81% | 111.83% | 116.92% | +1,904 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.58% | 5.86% | -1.88% | -2.91% | -1.09% | -8.20% | -3.07% | -2.08% | +83 bps | |
| Loan Growth (YoY) | -12.24% | -15.75% | -19.97% | -26.36% | -29.67% | -28.87% | -31.53% | -26.17% | +19 bps | |
| Share Growth (YoY) | 6.51% | 6.59% | -2.57% | -3.46% | -1.05% | -9.45% | -3.22% | -1.94% | +152 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 0.04% | 0.79% | 0.91% | 1.19% | 0.30% | 0.56% | 3.37% | +247 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 | 0.76% | 0.38% | 0.41% | 0.57% | 0.65% | 0.70% | 0.78% | 0.81% | +24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.22% | 16.43% | 16.90% | 17.45% | 17.18% | 17.55% | 17.01% | 17.32% | -13 bps | |
| Net Worth / Assets | 17.22% | 16.43% | 16.90% | 17.45% | 17.18% | 17.55% | 17.01% | 17.32% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.84% | 42.34% | 41.13% | 38.55% | 34.71% | 33.26% | 29.10% | 29.03% | -952 bps | |
| Liquid Assets / Assets | 57.57% | 62.53% | 63.67% | 65.99% | 69.18% | 70.39% | 73.76% | 73.99% | +800 bps | |