Winston-Salem, NC · Charter 60929
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Winston-Salem, NC · Charter 60929
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.01% | -0.10% | -0.76% | -0.57% | -0.70% | -0.72% | -1.81% | -105 bps | |
| Return on Equity | 0.57% | 0.04% | -0.50% | -3.78% | -2.81% | -3.33% | -3.56% | -8.94% | -516 bps | |
| Net Interest Margin | 2.76% | 2.69% | 2.73% | 2.45% | 2.51% | 2.65% | 2.64% | 2.82% | +37 bps | |
| Efficiency Ratio | 96.56% | 99.74% | 103.21% | 116.79% | 110.92% | 108.84% | 109.43% | 156.23% | +3,944 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.94% | -2.94% | -4.11% | -6.14% | -8.17% | -10.60% | -4.45% | -5.35% | +78 bps | |
| Loan Growth (YoY) | -3.99% | 0.61% | 3.25% | 1.96% | -4.39% | -9.54% | -12.63% | -10.51% | -1,247 bps | |
| Share Growth (YoY) | -6.31% | -3.65% | -4.99% | -7.26% | -9.63% | -12.51% | -4.65% | -5.38% | +187 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 0.27% | 1.98% | 0.85% | 0.54% | 1.35% | 1.30% | 1.63% | +78 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 | 1.00% | 0.56% | 0.58% | 0.38% | 0.17% | 0.41% | 0.71% | 0.70% | +32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.13% | 19.34% | 20.11% | 20.15% | 20.38% | 20.99% | 20.33% | 20.30% | +15 bps | |
| Net Worth / Assets | 19.13% | 19.34% | 20.11% | 20.15% | 20.38% | 20.99% | 20.33% | 20.30% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.98% | 50.06% | 52.49% | 51.07% | 50.76% | 51.76% | 48.10% | 48.30% | -277 bps | |
| Liquid Assets / Assets | 41.87% | 40.42% | 32.89% | 50.83% | 39.28% | 38.27% | 41.57% | 40.84% | -999 bps | |