Goldsboro, NC · Charter 60417
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Goldsboro, NC · Charter 60417
Q1 2003
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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.77% | -1.24% | -2.42% | -2.47% | -4.66% | -4.08% | -4.06% | -4.20% | -173 bps | |
| Return on Equity | n/a | -10.59% | -17.65% | -18.69% | -46.70% | -45.40% | -49.15% | -55.01% | -3,632 bps | |
| Net Interest Margin | 4.10% | 4.61% | 5.73% | 5.62% | 4.26% | 3.99% | 3.96% | 3.57% | -205 bps | |
| Efficiency Ratio | 139.80% | 121.01% | 133.34% | 137.80% | 157.33% | 164.40% | 171.51% | 209% | +7,146 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.57% | 6.89% | -13.60% | -21.04% | -14.70% | -18.48% | 1.97% | 1.94% | +2,298 bps | |
| Loan Growth (YoY) | -30.27% | 9.07% | 19.64% | 14.17% | -3.40% | -22.91% | -19.96% | -15.67% | -2,984 bps | |
| Share Growth (YoY) | -3.95% | 9.34% | -13.92% | -20.72% | -11.76% | -15.81% | 8.29% | 9.21% | +2,993 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.00% | 3.52% | 3.16% | 5.38% | 3.74% | 3.24% | 2.93% | 4.96% | -42 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 | 2.85% | 2.33% | 2.40% | 1.89% | 1.91% | 1.95% | 2.00% | 2.14% | +26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 11.73% | 13.71% | 13.19% | 9.99% | 8.98% | 8.26% | 7.63% | -557 bps | |
| Net Worth / Assets | n/a | 11.73% | 13.71% | 13.19% | 9.99% | 8.98% | 8.26% | 7.63% | -557 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.83% | 67.80% | 85.29% | 78.95% | 63.31% | 62.08% | 63.04% | 60.97% | -1,798 bps | |
| Liquid Assets / Assets | 0.00% | 39.45% | 25.17% | 30.33% | 41.39% | 42.61% | 41.60% | 42.30% | +1,197 bps | |