Winston Salem, NC · Charter 208
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.07% | 3.03% | 3.07% | 2.92% | 2.95% | 2.47% | 0.34% | 0.31% | -261 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 | 3.90% | 3.89% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 91.64% | 89.99% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.07% | -8.90% | -9.05% | -15.01% | -10.47% | -6.90% | -9.70% | -7.42% | +759 bps | |
| Loan Growth (YoY) | 1.55% | -20.47% | -26.63% | -30.51% | -36.49% | -31.36% | -20.03% | -10.04% | +2,047 bps | |
| Share Growth (YoY) | -14.50% | -10.64% | -10.85% | -17.53% | -12.64% | -8.48% | -11.87% | -4.15% | +1,338 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 2.22% | 1.35% | 1.44% | 1.79% | 1.68% | 2.15% | 1.72% | +28 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 | 0.52% | 0.85% | 0.82% | 0.70% | 0.89% | 0.70% | 0.70% | 0.89% | +19 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 | 71.95% | 62.94% | 59.85% | 59.02% | 52.30% | 47.21% | 54.31% | 55.39% | -363 bps | |
| Liquid Assets / Assets | 29.57% | 42.24% | 45.15% | 44.70% | 47.62% | 55.23% | 33.93% | 22.87% | -2,183 bps | |