Winston-Salem, NC · Charter 60655
Q1 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.32% | 0.84% | 0.29% | 0.41% | 0.47% | 0.84% | 0.49% | -67.25% | -6,766 bps | |
| Return on Equity | 11.09% | 7.05% | 2.51% | 3.52% | 4.00% | 6.32% | 3.54% | -67.25% | -7,077 bps | |
| Net Interest Margin | 3.08% | 2.88% | 2.42% | 2.86% | 2.65% | 3.19% | 4.30% | 8.90% | +604 bps | |
| Efficiency Ratio | 57.21% | 70.94% | 88.19% | 85.75% | 82.35% | 73.57% | 88.69% | 856% | +77,020 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.54% | -5.43% | 1.77% | 1.29% | 0.65% | -9.35% | -14.19% | -89.79% | -9,108 bps | |
| Loan Growth (YoY) | -9.94% | -3.01% | 4.66% | 3.04% | 4.52% | -10.13% | -19.31% | -99.72% | -10,276 bps | |
| Share Growth (YoY) | -4.13% | -7.04% | 1.28% | 0.73% | 0.07% | -11.34% | -15.13% | -100.00% | -10,073 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.45% | 0.46% | 0.25% | 0.19% | 8.10% | 13.08% | 0.00% | -25 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 | 2.55% | 2.37% | 2.39% | 2.37% | 2.49% | 2.64% | 2.97% | 0.00% | -237 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.89% | 11.86% | 11.40% | 11.57% | 11.68% | 13.34% | 13.77% | 100.00% | +8,843 bps | |
| Net Worth / Assets | 11.89% | 11.86% | 11.40% | 11.57% | 11.68% | 13.34% | 13.77% | 100.00% | +8,843 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.45% | 110.25% | 107.38% | 109.13% | 103.88% | 111.75% | 102.10% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |