Charlotte, NC · Charter 20747
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
Charlotte, NC · Charter 20747
Q4 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.71% | 0.28% | 0.52% | -6.08% | -2.03% | -1.25% | -24.85% | -2,537 bps | |
| Return on Equity | 3.08% | 2.43% | 0.94% | 1.74% | -19.68% | -6.01% | -3.55% | -122.10% | -12,383 bps | |
| Net Interest Margin | 3.31% | 3.29% | 3.05% | 3.45% | 1.49% | 4.60% | 4.56% | -0.68% | -414 bps | |
| Efficiency Ratio | 82.22% | 84.78% | 93.23% | 85.29% | 192.36% | 74.31% | 74.31% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.21% | -0.89% | -4.16% | -5.62% | -9.62% | -15.07% | -17.38% | -31.93% | -2,631 bps | |
| Loan Growth (YoY) | 14.04% | 18.01% | 14.38% | 6.06% | -1.03% | -11.77% | -15.93% | -19.41% | -2,547 bps | |
| Share Growth (YoY) | 1.32% | -1.89% | -6.41% | -8.61% | -12.65% | -22.08% | -23.49% | -30.53% | -2,192 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.17% | 1.08% | 3.08% | 3.68% | 1.42% | 2.43% | 5.01% | 6.17% | +250 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 | 0.24% | 0.22% | 0.11% | 0.22% | 0.71% | 1.06% | 0.61% | 15.22% | +1,500 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 28.44% | 29.41% | 29.61% | 30.10% | 30.91% | 33.82% | 35.31% | 20.35% | -976 bps | |
| Net Worth / Assets | 28.44% | 29.41% | 29.61% | 30.10% | 30.91% | 33.82% | 35.31% | 20.35% | -976 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.26% | 97.40% | 99.22% | 99.85% | 97.73% | 110.28% | 109.02% | 115.83% | +1,598 bps | |
| Liquid Assets / Assets | 36.40% | 30.18% | 28.05% | 28.45% | 29.16% | 0.00% | 0.00% | 0.00% | -2,845 bps | |