Enka, NC · Charter 62602
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06% | -0.40% | -2.59% | -0.69% | -0.62% | -1.76% | -0.69% | -1.69% | -99 bps | |
| Return on Equity | 0.30% | -2.13% | -15.01% | -3.90% | -3.64% | -11.07% | -4.39% | -12.05% | -816 bps | |
| Net Interest Margin | 3.25% | 2.98% | 2.44% | 2.47% | 2.36% | 2.35% | 2.12% | 2.14% | -33 bps | |
| Efficiency Ratio | 94.49% | 97.40% | 115.73% | 82.40% | 92.37% | 146.55% | 130.50% | 141.32% | +5,892 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.61% | 3.08% | 7.36% | 6.04% | 13.56% | 7.06% | 1.34% | 7.22% | +118 bps | |
| Loan Growth (YoY) | -8.89% | -10.22% | -3.37% | -1.15% | 2.66% | 1.13% | -1.15% | -3.47% | -232 bps | |
| Share Growth (YoY) | -4.26% | 4.65% | 10.89% | 8.59% | 18.36% | 11.11% | 3.23% | 12.62% | +403 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.10% | 6.13% | 5.29% | 8.13% | 7.03% | 4.84% | 3.30% | 4.97% | -316 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 | 0.27% | 0.74% | 0.74% | 0.62% | 0.61% | 0.62% | 0.61% | 1.73% | +110 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.26% | 18.82% | 17.25% | 17.83% | 17.02% | 15.87% | 15.78% | 14.00% | -383 bps | |
| Net Worth / Assets | 20.26% | 18.82% | 17.25% | 17.83% | 17.02% | 15.87% | 15.78% | 14.00% | -383 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.41% | 61.08% | 56.82% | 58.88% | 57.60% | 55.59% | 54.41% | 50.47% | -841 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |