Greensboro, NC · Charter 63257
Q2 2001
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.58% | 2.99% | 2.90% | 2.87% | 0.28% | -0.85% | -0.27% | -2.65% | -552 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -4.67% | -55.44% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 6.74% | 5.75% | 6.39% | 6.01% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 84.91% | 102.97% | 93.20% | 90.53% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.92% | 18.45% | 35.27% | 30.85% | 23.31% | 21.34% | 1.51% | -9.33% | -4,018 bps | |
| Loan Growth (YoY) | 52.65% | 45.53% | 27.92% | 27.35% | 15.71% | 9.29% | 0.47% | -7.03% | -3,438 bps | |
| Share Growth (YoY) | 24.39% | 18.83% | 43.53% | 32.94% | 34.71% | 23.41% | 3.37% | -8.17% | -4,111 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.97% | 2.68% | 3.89% | 2.92% | 3.79% | 1.39% | 3.83% | 5.23% | +231 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 | 2.26% | 1.80% | 1.45% | 1.92% | 2.15% | 1.17% | 1.47% | 2.36% | +43 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 5.79% | 4.77% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 5.79% | 4.77% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 115.34% | 102.47% | 102.05% | 96.18% | 99.07% | 90.74% | 99.19% | 97.37% | +119 bps | |
| Liquid Assets / Assets | 0.00% | 2.38% | 1.46% | 2.73% | 3.18% | 0.00% | 2.82% | 4.83% | +210 bps | |