Asheville, NC · Charter 63311
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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.
Asheville, NC · Charter 63311
Q3 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | 0.17% | 0.70% | 0.51% | 0.17% | -22 bps | |
| Return on Equity | 5.11% | 2.21% | 9.41% | 6.67% | 2.23% | -288 bps | |
| Net Interest Margin | 3.29% | 3.33% | 3.43% | 3.37% | 3.46% | +16 bps | |
| Efficiency Ratio | 88.34% | 89.32% | 83.36% | 86.33% | 90.49% | +215 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.12% | -3.78% | -1.22% | 3.13% | -0.16% | +596 bps | |
| Loan Growth (YoY) | 0.50% | -5.74% | -6.39% | -7.57% | -5.36% | -586 bps | |
| Share Growth (YoY) | -5.72% | -4.20% | -1.47% | 3.25% | -0.18% | +554 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.60% | 2.29% | 2.66% | 1.04% | 1.18% | -142 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.70% | 0.65% | 0.73% | 0.21% | 0.55% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.55% | 7.62% | 7.45% | 7.65% | 7.57% | +1 bps | |
| Net Worth / Assets | 7.55% | 7.62% | 7.45% | 7.65% | 7.57% | +1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.66% | 55.85% | 52.98% | 52.74% | 52.77% | -289 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |