Greenville, NC · Charter 63136
Q3 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.30% | -0.12% | 0.17% | -3.67% | 0.45% | 0.53% | 0.24% | 0.21% | +388 bps | |
| Return on Equity | n/a | n/a | n/a | -39.43% | 5.27% | 5.36% | 2.47% | 2.28% | +4,171 bps | |
| Net Interest Margin | n/a | 8.58% | 7.95% | 5.30% | 3.94% | 4.94% | 5.41% | 5.12% | -18 bps | |
| Efficiency Ratio | n/a | 96.64% | 97.91% | 126.71% | 106.72% | 96.30% | 81.03% | 96.11% | -3,060 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.19% | -30.22% | -33.60% | -29.29% | -13.34% | 17.82% | 15.50% | 7.93% | +3,722 bps | |
| Loan Growth (YoY) | -14.66% | -29.13% | -28.66% | -9.53% | 6.38% | 7.90% | 5.03% | -16.05% | -652 bps | |
| Share Growth (YoY) | -0.12% | -35.72% | -34.01% | -35.72% | -9.00% | 33.89% | 28.02% | 22.69% | +5,841 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.13% | 4.36% | 8.43% | 4.64% | 4.83% | 9.67% | 13.61% | 11.22% | +659 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 | 0.56% | 0.14% | 1.92% | 3.16% | 2.32% | 2.21% | 2.80% | 3.35% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 9.31% | 8.55% | 9.85% | 9.82% | 9.12% | -18 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 9.31% | 8.55% | 9.85% | 9.82% | 9.12% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.62% | 121.68% | 116.89% | 121.40% | 95.41% | 98.05% | 95.90% | 83.07% | -3,833 bps | |
| Liquid Assets / Assets | 28.00% | 0.73% | 0.00% | 2.22% | 2.74% | 11.92% | 12.22% | 3.99% | +177 bps | |