Kinston, NC · Charter 22235
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Kinston, NC · Charter 22235
Q1 2010
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.82% | -0.76% | -0.52% | -0.74% | -1.33% | +249 bps | |
| Return on Equity | -18.32% | -3.59% | -2.43% | -3.42% | -6.45% | +1,187 bps | |
| Net Interest Margin | 3.15% | 3.22% | 3.42% | 3.37% | 3.22% | +7 bps | |
| Efficiency Ratio | 165.48% | 108.49% | 86.47% | 95.57% | 117.54% | -4,795 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.90% | -4.36% | -2.97% | -3.67% | -0.98% | +192 bps | |
| Loan Growth (YoY) | -13.18% | -5.11% | -6.93% | -6.88% | -8.07% | +511 bps | |
| Share Growth (YoY) | -2.02% | -4.86% | -2.71% | -2.48% | -0.86% | +116 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.63% | 2.27% | 3.27% | 2.14% | 2.01% | -61 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.80% | 0.45% | 0.73% | 0.54% | 0.79% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.87% | 21.19% | 21.52% | 21.69% | 20.66% | -21 bps | |
| Net Worth / Assets | 20.87% | 21.19% | 21.52% | 21.69% | 20.66% | -21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.61% | 58.09% | 58.03% | 57.79% | 52.49% | -411 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |