Greensboro, NC · Charter 24820
Q4 2009
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 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|
| Earnings | ||||
| Return on Assets | -2.70% | -3.58% | n/a | |
| Return on Equity | -53.46% | -96.03% | n/a | |
| Net Interest Margin | 4.62% | 4.91% | n/a | |
| Efficiency Ratio | 78.25% | 89.51% | n/a | |
| Growth | ||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a |
| Asset Quality | ||||
| Delinquent Loans / Loans | 2.53% | 2.63% | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.91% | 2.19% | n/a | |
| Capital | ||||
| Risk-Based Capital | 5.04% | 3.72% | n/a | |
| Net Worth / Assets | 5.04% | 3.72% | n/a | |
| Liquidity & Funding | ||||
| Loans / Shares | 95.72% | 97.09% | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | n/a | |