Charlotte, NC · Charter 63228
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 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.
Charlotte, NC · Charter 63228
Q2 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 0.01% | -0.77% | -0.49% | -0.24% | 0.01% | 0.12% | 0.12% | +61 bps | |
| Return on Equity | 0.50% | 0.11% | -9.03% | -5.78% | -2.80% | 0.10% | 1.36% | 1.26% | +704 bps | |
| Net Interest Margin | 4.99% | 5.06% | 4.64% | 4.56% | 4.74% | 4.96% | 4.91% | 5.44% | +88 bps | |
| Efficiency Ratio | 96.73% | 95.81% | 104.71% | 104.40% | 101.21% | 97.39% | 91.80% | 93.50% | -1,090 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.70% | 0.55% | 0.17% | -0.57% | -1.86% | -2.51% | -0.87% | -10.28% | -971 bps | |
| Loan Growth (YoY) | 6.56% | 3.56% | 4.54% | 3.00% | -4.83% | 6.45% | 12.54% | 9.93% | +693 bps | |
| Share Growth (YoY) | 0.45% | 0.88% | -0.08% | -0.58% | -2.06% | -2.57% | -0.60% | -11.03% | -1,045 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.58% | 0.20% | 0.66% | 0.69% | 0.58% | 0.59% | 0.62% | -4 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 | 0.12% | 0.16% | 0.37% | 0.37% | 0.23% | 0.19% | 0.21% | 0.27% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.75% | 8.89% | 8.53% | 8.40% | 8.71% | 9.13% | 8.84% | 9.70% | +130 bps | |
| Net Worth / Assets | 8.75% | 8.89% | 8.53% | 8.40% | 8.71% | 9.13% | 8.84% | 9.70% | +130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.51% | 79.50% | 76.03% | 75.20% | 78.24% | 86.86% | 86.09% | 92.91% | +1,771 bps | |
| Liquid Assets / Assets | 21.18% | 21.98% | 25.52% | 25.94% | 23.25% | 15.04% | 15.91% | 10.11% | -1,583 bps | |