Morganton, NC · Charter 62550
Q1 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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.42% | 0.33% | 0.04% | 0.10% | 0.08% | 0.01% | -6.90% | -694 bps | |
| Return on Equity | 3.70% | 2.81% | 2.18% | 0.26% | 0.64% | 0.50% | 0.03% | -73.58% | -7,384 bps | |
| Net Interest Margin | 3.51% | 3.47% | 3.48% | 2.85% | 2.73% | 2.73% | 2.67% | 1.74% | -111 bps | |
| Efficiency Ratio | 85.64% | 87.18% | 88.71% | 93.61% | 93.05% | 91.80% | 94.13% | 160.18% | +6,657 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 34.23% | 34.92% | -11.43% | -4.99% | -3.23% | -3.54% | -2.35% | -1.80% | +319 bps | |
| Loan Growth (YoY) | 2.71% | 9.45% | 10.41% | 10.62% | 0.85% | -2.67% | -7.66% | -17.12% | -2,774 bps | |
| Share Growth (YoY) | 31.14% | 32.08% | -13.69% | -5.89% | -3.85% | -3.99% | -2.50% | 5.01% | +1,090 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 1.00% | 2.54% | 3.47% | 3.23% | 3.79% | 2.80% | 3.11% | -36 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 | 1.39% | 1.46% | 1.41% | 1.59% | 1.57% | 1.59% | 1.27% | 3.04% | +146 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.61% | 14.90% | 15.20% | 14.86% | 15.20% | 15.51% | 15.58% | 9.38% | -548 bps | |
| Net Worth / Assets | 14.61% | 14.90% | 15.20% | 14.86% | 15.20% | 15.51% | 15.58% | 9.38% | -548 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.64% | 42.16% | 43.84% | 41.69% | 41.58% | 42.74% | 41.52% | 32.90% | -878 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |