Maiden, NC · Charter 62883
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Maiden, NC · Charter 62883
Q2 2006
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.50% | 0.61% | 0.69% | 0.76% | 0.73% | 1.40% | -42.31% | -4,300 bps | |
| Return on Equity | 1.35% | 1.24% | 1.49% | 1.67% | 1.76% | 1.65% | 2.94% | -144.42% | -14,609 bps | |
| Net Interest Margin | 1.78% | 1.79% | 2.01% | 2.14% | 2.28% | 2.28% | 3.06% | -40.59% | -4,273 bps | |
| Efficiency Ratio | 79.85% | 80.05% | 70.00% | 67.89% | 66.91% | 68.27% | 54.45% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.63% | 1.69% | 0.23% | -0.38% | -4.05% | -6.62% | -12.06% | -17.18% | -1,680 bps | |
| Loan Growth (YoY) | -20.99% | -16.97% | -11.26% | -11.47% | -23.26% | -25.31% | -39.84% | -45.40% | -3,393 bps | |
| Share Growth (YoY) | 0.24% | 1.95% | -0.56% | -1.78% | -7.90% | -12.31% | -21.88% | -0.06% | +172 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.99% | 0.02% | 1.34% | 0.00% | 1.05% | 0.62% | 0.66% | -67 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 | 0.62% | 0.69% | 0.73% | 1.34% | 1.68% | 1.80% | 2.27% | 2.77% | +143 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 40.65% | 40.64% | 41.00% | 41.44% | 43.03% | 44.25% | 47.58% | 29.29% | -1,214 bps | |
| Net Worth / Assets | 40.65% | 40.64% | 41.00% | 41.44% | 43.03% | 44.25% | 47.58% | 29.29% | -1,214 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 19.10% | 18.74% | 19.08% | 17.96% | 15.92% | 15.97% | 14.70% | 9.81% | -815 bps | |
| Liquid Assets / Assets | 59.44% | 61.74% | 67.20% | 63.59% | 63.37% | 60.13% | 58.28% | 0.00% | -6,359 bps | |