Concord, NC · Charter 60653
Q3 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 0.29% | 0.06% | 0.07% | 0.22% | 0.91% | 0.23% | 0.00% | -8 bps | |
| Return on Equity | 0.44% | 2.96% | 0.57% | 0.73% | 2.07% | 8.53% | 2.24% | -0.05% | -78 bps | |
| Net Interest Margin | 6.26% | 5.99% | 5.70% | 5.84% | 6.35% | 6.26% | 5.92% | 5.88% | +4 bps | |
| Efficiency Ratio | 88.42% | 92.08% | 96.16% | 95.69% | 92.46% | 86.52% | 95.58% | 99.50% | +381 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.09% | -6.29% | -2.47% | -1.77% | -7.29% | -6.44% | 0.01% | 2.45% | +422 bps | |
| Loan Growth (YoY) | 0.24% | 0.71% | -3.65% | -1.16% | -4.29% | -3.00% | -3.48% | -6.96% | -580 bps | |
| Share Growth (YoY) | -22.64% | -6.73% | -2.70% | -1.78% | -4.09% | -7.33% | 0.00% | 1.82% | +360 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.42% | 0.09% | 0.54% | 0.26% | 0.00% | 0.75% | 1.10% | 1.59% | +133 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 | 0.16% | 0.28% | 0.36% | 0.37% | 0.28% | 0.35% | 0.45% | 0.49% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.58% | 9.62% | 9.80% | 9.99% | 10.52% | 10.62% | 10.11% | 9.95% | -5 bps | |
| Net Worth / Assets | 9.58% | 9.62% | 9.80% | 9.99% | 10.52% | 10.62% | 10.11% | 9.95% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.22% | 89.95% | 90.78% | 92.64% | 99.02% | 94.15% | 87.63% | 84.65% | -799 bps | |
| Liquid Assets / Assets | 6.92% | 11.13% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |