Gastonia, NC · Charter 19995
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.26% | 4.88% | 1.74% | 2.68% | 4.24% | 1.77% | 5.16% | 1.46% | -122 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 17.33% | -14.71% | -25.90% | -36.38% | -35.39% | 0.71% | 42.94% | +6,884 bps | |
| Loan Growth (YoY) | n/a | 27.50% | 2.47% | -14.68% | -1.79% | -36.20% | -27.31% | -46.87% | -3,219 bps | |
| Share Growth (YoY) | n/a | 18.99% | -18.35% | -29.12% | -43.07% | -41.20% | -1.89% | 60.68% | +8,980 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.57% | 18.62% | 17.78% | 39.38% | 17.11% | 26.81% | 14.64% | 16.65% | -2,272 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 | 2.67% | 2.33% | 7.75% | 7.93% | 8.42% | 1.53% | 1.30% | 5.99% | -194 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.36% | 94.61% | 117.84% | 139.39% | 145.53% | 102.64% | 87.31% | 46.09% | -9,330 bps | |
| Liquid Assets / Assets | 12.54% | 12.70% | 1.51% | 1.79% | 0.69% | 1.83% | 1.65% | 1.37% | -42 bps | |