Greensboro, NC · Charter 23506
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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.
Greensboro, NC · Charter 23506
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.32% | 2.85% | 3.98% | 0.02% | -0.16% | 0.05% | 0.18% | -0.88% | -90 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 0.61% | 2.31% | -11.84% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 3.91% | 3.96% | 4.46% | 4.14% | 4.37% | +47 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 85.24% | 89.37% | 86.32% | 83.24% | 87.79% | +255 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.98% | 14.16% | 8.71% | 22.89% | 16.03% | 0.04% | 9.31% | -8.27% | -3,116 bps | |
| Loan Growth (YoY) | 6.77% | 20.43% | 10.39% | 22.82% | 33.78% | 0.35% | 8.26% | -11.59% | -3,441 bps | |
| Share Growth (YoY) | 11.34% | 15.55% | 9.18% | 13.97% | 8.00% | -5.79% | 9.97% | 3.82% | -1,015 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.42% | 0.25% | 0.33% | 0.25% | 0.36% | 0.96% | 1.10% | +77 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 | 0.74% | 0.70% | 0.78% | 0.90% | 0.87% | 1.02% | 1.02% | 1.69% | +79 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 8.32% | 7.86% | 7.41% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 8.32% | 7.86% | 7.41% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.91% | 98.06% | 98.40% | 109.63% | 110.13% | 104.46% | 96.88% | 93.35% | -1,627 bps | |
| Liquid Assets / Assets | 11.67% | 3.39% | 4.11% | 2.74% | 2.68% | 2.94% | 4.84% | 6.20% | +346 bps | |