Kinston, NC · Charter 62880
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 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.
Kinston, NC · Charter 62880
Q3 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | -0.79% | 0.45% | 0.03% | -0.03% | -0.64% | -0.17% | -0.04% | -7 bps | |
| Return on Equity | 3.73% | -7.32% | 4.10% | 0.31% | -0.29% | -5.87% | -1.82% | -0.38% | -69 bps | |
| Net Interest Margin | 5.29% | 3.89% | 3.80% | 3.57% | 4.08% | 3.68% | 3.46% | 3.76% | +19 bps | |
| Efficiency Ratio | 91.24% | 119.94% | 107.16% | 111.71% | 108.64% | 117.07% | 104.93% | 100.98% | -1,073 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.00% | 14.06% | 8.68% | 6.99% | 14.40% | -0.67% | 11.59% | 0.97% | -602 bps | |
| Loan Growth (YoY) | -5.14% | -1.70% | -9.50% | -10.86% | -16.44% | -22.75% | -25.24% | -6.11% | +476 bps | |
| Share Growth (YoY) | 8.56% | 14.73% | 8.37% | 6.81% | 15.52% | -0.77% | 13.44% | 1.20% | -562 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 0.99% | 1.08% | 1.13% | 0.00% | 0.00% | 0.00% | 0.00% | -113 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 | 3.10% | 2.72% | 1.66% | 1.88% | 1.24% | 1.43% | 1.62% | 0.00% | -188 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.67% | 10.80% | 11.03% | 10.21% | 11.70% | 10.87% | 9.54% | 9.99% | -22 bps | |
| Net Worth / Assets | 12.67% | 10.80% | 11.03% | 10.21% | 11.70% | 10.87% | 9.54% | 9.99% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.66% | 30.88% | 27.83% | 24.96% | 27.24% | 24.04% | 18.34% | 23.16% | -180 bps | |
| Liquid Assets / Assets | 66.24% | 64.45% | 67.18% | 58.64% | 47.54% | 25.98% | 37.33% | 31.03% | -2,761 bps | |