Charlotte, NC · Charter 60154
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.87% | 1.53% | 1.60% | 1.49% | 0.77% | 1.20% | 1.14% | -47 bps | |
| Return on Equity | 9.74% | 8.85% | 15.11% | 15.49% | 14.20% | 8.04% | 12.37% | 11.52% | -397 bps | |
| Net Interest Margin | 3.13% | 2.69% | 2.90% | 2.95% | 2.94% | 2.51% | 2.50% | 2.52% | -43 bps | |
| Efficiency Ratio | 76.17% | 82.49% | 75.51% | 74.20% | 75.46% | 80.55% | 76.41% | 75.04% | +84 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.74% | 5.34% | 9.32% | 11.57% | 12.68% | 18.36% | 20.36% | 18.21% | +664 bps | |
| Loan Growth (YoY) | -2.75% | -0.25% | 1.50% | 6.71% | 9.70% | 16.25% | 18.63% | 18.29% | +1,158 bps | |
| Share Growth (YoY) | 1.77% | 4.44% | 8.49% | 10.88% | 12.27% | 18.85% | 21.43% | 17.16% | +628 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 0.38% | 0.20% | 0.21% | 0.18% | 0.26% | 0.31% | 0.33% | +12 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 | 1.14% | 1.01% | 0.80% | 0.71% | 0.68% | 0.65% | 0.50% | 0.55% | -15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.04% | 9.80% | 10.15% | 10.34% | 10.53% | 9.63% | 9.69% | 9.86% | -48 bps | |
| Net Worth / Assets | 10.04% | 9.80% | 10.15% | 10.34% | 10.53% | 9.63% | 9.69% | 9.86% | -48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.57% | 79.69% | 80.97% | 83.17% | 83.61% | 77.94% | 79.11% | 83.97% | +80 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |