Asheville, NC · Charter 60980
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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.
Asheville, NC · Charter 60980
Q3 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.69% | 0.63% | 0.21% | 0.34% | 0.61% | -8 bps | |
| Return on Equity | 5.18% | 4.58% | 1.61% | 2.53% | 4.83% | -35 bps | |
| Net Interest Margin | 4.65% | 4.72% | 4.00% | 3.97% | 3.92% | -73 bps | |
| Efficiency Ratio | 67.18% | 68.19% | 77.27% | 77.78% | 75.38% | +820 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.12% | 2.50% | 4.20% | 3.30% | 3.00% | -12 bps | |
| Loan Growth (YoY) | 11.56% | 3.86% | -9.06% | -12.90% | -13.48% | -2,504 bps | |
| Share Growth (YoY) | 2.36% | 1.91% | 4.23% | 3.25% | 4.07% | +170 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.67% | 1.12% | 1.62% | 2.17% | 2.74% | +207 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.17% | 2.42% | 2.72% | 2.82% | 2.77% | +60 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.37% | 13.80% | 13.06% | 13.28% | 12.70% | -67 bps | |
| Net Worth / Assets | 13.37% | 13.80% | 13.06% | 13.28% | 12.70% | -67 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.51% | 77.25% | 69.16% | 67.64% | 64.44% | -1,307 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |