Elizabethtown, NC · Charter 22316
Q1 2010
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.29% | -1.20% | -2.01% | -7.00% | -4.26% | -4.78% | -6.34% | -6.71% | +29 bps | |
| Return on Equity | -1.89% | -8.01% | -11.81% | -46.80% | -29.25% | -35.46% | -48.78% | -63.44% | -1,664 bps | |
| Net Interest Margin | 3.67% | 3.37% | 3.68% | 2.31% | 1.89% | 1.74% | 1.81% | 1.20% | -111 bps | |
| Efficiency Ratio | 110.28% | 127.61% | 135.77% | 241% | 268% | 193.79% | 349% | 1519% | +127,802 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.82% | -10.12% | -21.73% | -18.95% | -17.71% | -17.04% | -12.20% | -8.29% | +1,066 bps | |
| Loan Growth (YoY) | -15.70% | -19.11% | -9.99% | -30.64% | -25.22% | -22.67% | -30.12% | -15.05% | +1,559 bps | |
| Share Growth (YoY) | -2.16% | -10.11% | -23.74% | -18.76% | -17.18% | -15.67% | -8.21% | -3.96% | +1,480 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 14.66% | 14.54% | 16.84% | 13.28% | 18.65% | 19.30% | 13.17% | 12.58% | -69 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 | 1.90% | 1.82% | 1.83% | 1.93% | 1.99% | 3.70% | 1.93% | 3.34% | +141 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.23% | 14.94% | 16.98% | 14.96% | 14.57% | 13.48% | 13.00% | 10.57% | -439 bps | |
| Net Worth / Assets | 15.23% | 14.94% | 16.98% | 14.96% | 14.57% | 13.48% | 13.00% | 10.57% | -439 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.48% | 28.09% | 36.26% | 27.01% | 26.62% | 25.76% | 27.61% | 23.89% | -312 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |