Charlotte, NC · Charter 20771
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 | 4.47% | 4.41% | 4.53% | 4.50% | 4.60% | 4.70% | 4.80% | 4.39% | -10 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 | 21.34% | 26.41% | 22.82% | 24.37% | 22.38% | 21.56% | 22.56% | -26 bps | |
| Loan Growth (YoY) | n/a | 62.07% | 38.74% | 18.39% | 20.80% | 23.74% | 23.99% | 21.65% | +326 bps | |
| Share Growth (YoY) | n/a | 20.18% | 25.60% | 22.05% | 24.10% | 22.05% | 21.20% | 22.84% | +79 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.08% | 0.12% | 0.02% | 0.07% | 0.03% | 0.06% | 0.08% | +7 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 | 0.81% | 0.67% | 0.52% | 0.36% | 0.34% | 0.26% | 0.27% | 0.26% | -10 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 | 86.61% | 81.14% | 83.66% | 79.68% | 84.31% | 82.26% | 85.59% | 78.90% | -77 bps | |
| Liquid Assets / Assets | 8.73% | 13.52% | 9.01% | 17.99% | 8.47% | 9.25% | 10.43% | 15.14% | -285 bps | |