Hope Mills, NC · Charter 20750
Q4 2014
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.08% | -0.73% | -0.71% | -0.95% | -1.26% | -1.08% | -1.32% | -4.48% | -353 bps | |
| Return on Equity | -7.42% | -5.62% | -6.15% | -8.03% | -11.74% | -10.00% | -11.77% | -53.13% | -4,510 bps | |
| Net Interest Margin | 3.98% | 3.45% | 3.10% | 3.28% | 3.03% | 3.22% | 3.53% | 3.76% | +48 bps | |
| Efficiency Ratio | 101.70% | 105.72% | 107.10% | 111.67% | 110.13% | 113.32% | 110.74% | 161.49% | +4,982 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.76% | 6.19% | 22.81% | 22.42% | 23.39% | 8.14% | -9.01% | -8.20% | -3,062 bps | |
| Loan Growth (YoY) | -3.71% | -6.00% | -2.33% | -5.78% | 5.65% | 11.05% | 8.80% | 2.60% | +838 bps | |
| Share Growth (YoY) | -9.14% | 7.81% | 27.91% | 28.01% | 28.71% | 10.69% | -8.66% | -7.26% | -3,526 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.85% | 2.86% | 3.68% | 4.15% | 1.40% | 3.90% | 3.05% | 3.05% | -110 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 | 0.84% | 0.88% | 0.86% | 0.82% | 0.79% | 0.79% | 1.30% | 1.88% | +106 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.51% | 12.91% | 11.50% | 11.86% | 10.77% | 10.82% | 11.24% | 8.44% | -342 bps | |
| Net Worth / Assets | 14.51% | 12.91% | 11.50% | 11.86% | 10.77% | 10.82% | 11.24% | 8.44% | -342 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.75% | 49.74% | 44.99% | 50.38% | 48.22% | 49.90% | 53.59% | 55.74% | +535 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |