Winston Salem, NC · Charter 60904
Q2 2000
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.66% | 4.49% | 4.22% | 4.05% | 3.73% | 3.83% | 0.64% | 0.16% | -390 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 3.94% | 3.89% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 84.02% | 89.40% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.99% | -2.22% | -4.81% | -2.86% | 2.13% | -4.40% | -4.18% | -9.95% | -709 bps | |
| Loan Growth (YoY) | -1.29% | -12.93% | -7.52% | -15.08% | -13.98% | -13.48% | -13.05% | -17.85% | -277 bps | |
| Share Growth (YoY) | -5.61% | -2.97% | -5.43% | -3.05% | 2.56% | -5.29% | -5.60% | -11.39% | -834 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.42% | 2.31% | 2.90% | 1.57% | 0.64% | 0.43% | 1.02% | 0.33% | -124 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 | 0.35% | 1.14% | 0.84% | 0.72% | 0.97% | 1.07% | 1.05% | 0.49% | -23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.34% | 72.69% | 78.87% | 73.00% | 69.90% | 66.41% | 72.65% | 67.68% | -532 bps | |
| Liquid Assets / Assets | 22.06% | 31.14% | 25.39% | 32.55% | 33.40% | 37.92% | 31.92% | 20.11% | -1,244 bps | |