PackageTrendsPeer
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Shepherd's

Charlotte, NC · Charter 24832

Q4 2011

$627KAssets
$11KLoans
$352KShares
$191KNet Worth

Executive Summary

  • Earnings: ROA of -8.38%, down 1,299 bps year over year; NIM at 0.27%.
  • Asset quality: problem loans at 100.00% of loans.
  • Capital: net worth / assets of 30.51%, up 1,408 bps from a year ago.
  • Funding: loans stand at 3.08% of shares as of Q4 2011.

Return on Assets (YTD, annualized)

-8.38%-1,299 bps YoY

Net Interest Margin (YTD, annualized)

0.27%+27 bps YoY

Efficiency Ratio (YTD, annualized)

1516%+151,631 bps YoY

Net Worth / Assets

30.51%+1,408 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets4.61%1.68%-25.29%0.37%-8.38%-1,299 bps
Return on Equity28.09%2.30%-73.62%1.01%-27.47%-5,556 bps
Net Interest Margin0.00%0.61%0.44%0.33%0.27%+27 bps
Efficiency Ratio0.00%-1.80%2699%44.18%1516%+151,631 bps
Growth
Asset Growth (YoY)n/an/an/an/a1594%n/an/a
Loan Growth (YoY)n/an/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/a1038%n/an/a
Asset Quality
Delinquent Loans / Loansn/a0.00%0.00%0.00%100.00%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/a0.00%0.00%0.00%0.00%n/a
Capital
Risk-Based Capital16.43%72.96%34.35%36.59%30.51%+1,408 bps
Net Worth / Assets16.43%72.96%34.35%36.59%30.51%+1,408 bps
Liquidity & Funding
Loans / Shares0.00%17.02%4.19%3.25%3.08%+308 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps