Goldsboro, NC · Charter 63282
Q4 2000
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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.07% | 3.08% | 1.98% | 1.51% | 0.53% | -1.13% | -0.06% | 0.72% | -79 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 4.57% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 5.72% | 6.06% | 6.41% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 118.93% | 100.90% | 89.22% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.78% | -8.37% | -11.61% | -2.80% | -15.30% | -0.38% | -5.56% | -4.86% | -206 bps | |
| Loan Growth (YoY) | 25.19% | -4.05% | -12.60% | -36.87% | -24.83% | -5.13% | 27.20% | 32.07% | +6,894 bps | |
| Share Growth (YoY) | -11.87% | -11.61% | -14.06% | -2.44% | -15.62% | 1.22% | -5.64% | -6.56% | -411 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.70% | 2.98% | 4.89% | 5.11% | 5.26% | 1.65% | 0.00% | 1.10% | -401 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 | 2.98% | 3.44% | 3.73% | 3.51% | 4.03% | 2.28% | 1.45% | 2.03% | -147 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 15.79% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 15.79% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.42% | 79.50% | 64.62% | 57.11% | 62.73% | 74.52% | 87.10% | 80.71% | +2,361 bps | |
| Liquid Assets / Assets | 28.47% | 26.76% | 26.87% | 27.57% | 39.83% | 19.19% | 0.00% | 31.13% | +356 bps | |