Yanceyville, NC · Charter 63427
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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.
Yanceyville, NC · Charter 63427
Q1 2004
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.42% | -0.61% | -0.88% | 45.23% | 17.47% | 10.67% | 5.41% | -6.63% | -5,186 bps | |
| Return on Equity | -28.70% | -11.60% | -18.64% | 304% | 150.40% | 97.52% | 55.79% | -96.33% | -40,028 bps | |
| Net Interest Margin | 7.11% | 6.35% | 5.63% | 3.71% | 3.38% | 3.37% | 4.27% | 4.86% | +115 bps | |
| Efficiency Ratio | 101.04% | 98.51% | 101.64% | 12.33% | 28.14% | 41.54% | 62.89% | 230% | +21,751 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.28% | 11.24% | 18.02% | 30.45% | 65.82% | 63.65% | 20.10% | -10.40% | -4,085 bps | |
| Loan Growth (YoY) | 50.35% | 48.15% | 19.51% | 16.21% | -10.80% | -5.45% | -2.53% | -17.93% | -3,414 bps | |
| Share Growth (YoY) | 19.36% | 25.13% | 25.75% | 0.33% | 38.37% | 40.04% | -2.47% | -0.52% | -85 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.05% | 8.19% | 14.67% | 16.13% | 1.49% | 4.52% | 35.35% | 14.48% | -165 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 | 1.82% | 1.88% | 2.02% | 4.01% | 4.13% | 4.80% | 5.01% | 5.67% | +166 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 4.96% | 5.25% | 4.71% | 14.88% | 11.62% | 10.94% | 9.69% | 6.88% | -800 bps | |
| Net Worth / Assets | 4.96% | 5.25% | 4.71% | 14.88% | 11.62% | 10.94% | 9.69% | 6.88% | -800 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.80% | 94.40% | 85.27% | 89.67% | 63.69% | 63.74% | 85.22% | 73.98% | -1,569 bps | |
| Liquid Assets / Assets | 2.22% | 7.91% | 16.61% | 34.21% | 47.59% | 47.52% | 33.15% | 37.86% | +365 bps | |