Wagram, NC · Charter 60495
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.09% | -0.13% | -0.77% | -7.73% | -3.89% | -2.55% | -2.19% | -142 bps | |
| Return on Equity | 3.97% | 0.85% | -1.20% | -7.35% | -83.46% | -40.68% | -24.68% | -19.91% | -1,256 bps | |
| Net Interest Margin | 4.58% | 4.25% | 4.13% | 4.03% | 4.28% | 4.48% | 4.74% | 4.99% | +96 bps | |
| Efficiency Ratio | 92.58% | 98.38% | 102.32% | 103.64% | 101.72% | 93.57% | 91.59% | 93.31% | -1,033 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.01% | -2.81% | 5.74% | 9.06% | -6.15% | -8.92% | -14.41% | -20.56% | -2,962 bps | |
| Loan Growth (YoY) | -6.88% | -4.74% | -4.32% | -12.14% | -10.74% | -5.71% | -2.24% | 2.63% | +1,477 bps | |
| Share Growth (YoY) | 1.31% | -2.94% | 7.21% | 11.13% | -4.43% | -9.26% | -16.19% | -21.26% | -3,239 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.14% | 6.63% | 5.98% | 7.79% | 5.17% | 2.40% | 1.67% | 2.91% | -487 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 | 3.10% | 2.90% | 2.66% | 1.80% | 3.22% | 2.80% | 2.00% | 2.19% | +39 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.81% | 10.72% | 10.59% | 10.49% | 9.26% | 9.56% | 10.34% | 11.02% | +52 bps | |
| Net Worth / Assets | 10.81% | 10.72% | 10.59% | 10.49% | 9.26% | 9.56% | 10.34% | 11.02% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.00% | 61.76% | 61.76% | 59.42% | 60.71% | 64.17% | 72.04% | 77.45% | +1,803 bps | |
| Liquid Assets / Assets | 31.37% | 32.08% | 32.44% | 29.10% | 31.66% | 26.45% | 23.11% | 17.03% | -1,206 bps | |