Brevard, NC · Charter 61938
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Brevard, NC · Charter 61938
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | -1.20% | -0.64% | -0.82% | -0.76% | -4.98% | -0.87% | -0.15% | +67 bps | |
| Return on Equity | 1.59% | -14.96% | -7.67% | -9.55% | -8.46% | -68.37% | -10.78% | -1.79% | +776 bps | |
| Net Interest Margin | 2.78% | 2.62% | 2.78% | 3.08% | 3.29% | 3.05% | 3.18% | 3.23% | +15 bps | |
| Efficiency Ratio | 101.74% | 91.42% | 93.92% | 94.41% | 94.40% | 164.11% | 75.89% | 73.36% | -2,104 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.35% | 12.40% | 5.14% | -4.95% | -8.59% | -9.75% | -6.55% | 1.58% | +653 bps | |
| Loan Growth (YoY) | 5.21% | 1.57% | -2.39% | -3.42% | -6.57% | -7.51% | -8.68% | -8.56% | -514 bps | |
| Share Growth (YoY) | 10.93% | 14.14% | 6.28% | -4.51% | -7.02% | -10.56% | -7.88% | 0.10% | +460 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.47% | 1.97% | 2.40% | 1.58% | 2.39% | 3.74% | 4.40% | 2.55% | +97 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 | 0.21% | 0.37% | 0.34% | 0.47% | 0.57% | 0.63% | 0.73% | 0.81% | +34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.87% | 8.04% | 8.31% | 8.56% | 8.95% | 7.28% | 8.08% | 8.22% | -34 bps | |
| Net Worth / Assets | 8.87% | 8.04% | 8.31% | 8.56% | 8.95% | 7.28% | 8.08% | 8.22% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.20% | 76.65% | 78.83% | 82.45% | 84.61% | 79.26% | 78.14% | 75.32% | -713 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |