Raleigh, NC · Charter 63331
Q4 1999
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.70% | 2.54% | 1.78% | 2.05% | 1.55% | 0.92% | 2.50% | -0.48% | -253 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 5.51% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 104.68% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.94% | -14.69% | -12.31% | -10.66% | -11.69% | -13.77% | -14.37% | -13.60% | -295 bps | |
| Loan Growth (YoY) | 32.12% | 47.53% | 53.91% | 30.91% | 13.71% | 3.08% | -4.93% | 10.14% | -2,077 bps | |
| Share Growth (YoY) | -17.14% | -16.54% | -14.17% | -11.83% | -12.40% | -13.20% | -14.30% | -22.39% | -1,056 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.66% | 0.00% | 0.25% | 3.12% | 6.94% | 4.00% | 0.08% | 0.18% | -294 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 | 1.69% | 0.35% | 0.42% | 0.54% | 1.73% | 4.43% | 0.90% | 1.01% | +47 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.51% | 63.15% | 72.65% | 64.94% | 65.57% | 75.00% | 80.60% | 92.16% | +2,722 bps | |
| Liquid Assets / Assets | 20.44% | 8.72% | 31.46% | 29.78% | 35.95% | 29.03% | 21.37% | 15.25% | -1,453 bps | |