Pittsboro, NC · Charter 63329
Q4 2004
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.11% | 0.48% | 3.80% | 2.69% | 1.98% | +209 bps | |
| Return on Equity | -1.10% | 4.94% | 38.52% | 26.37% | 19.45% | +2,055 bps | |
| Net Interest Margin | 3.96% | 4.51% | 4.09% | 4.49% | 4.64% | +69 bps | |
| Efficiency Ratio | 84.75% | 90.22% | 54.32% | 55.60% | 61.09% | -2,366 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.36% | -7.47% | 7.38% | 7.33% | 11.34% | +1,269 bps | |
| Loan Growth (YoY) | -16.68% | -9.90% | 38.16% | 38.10% | 46.14% | +6,282 bps | |
| Share Growth (YoY) | -1.38% | -6.95% | 7.79% | 8.56% | 12.06% | +1,344 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.29% | 7.22% | 4.91% | 4.94% | 4.82% | -147 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.36% | 3.93% | 2.76% | 2.00% | 2.38% | -198 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.96% | 9.69% | 9.85% | 10.19% | 10.17% | +21 bps | |
| Net Worth / Assets | 9.96% | 9.69% | 9.85% | 10.19% | 10.17% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.32% | 63.25% | 80.18% | 79.47% | 78.66% | +1,835 bps | |
| Liquid Assets / Assets | 45.96% | 41.33% | 24.97% | 25.64% | 26.66% | -1,930 bps | |