Hertford, NC · Charter 63492
Q4 2003
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.64% | -1.65% | -7.71% | -5.20% | -4.14% | -250 bps | |
| Return on Equity | -19.57% | -20.31% | -333% | -109.90% | -117.83% | -9,826 bps | |
| Net Interest Margin | 3.53% | 2.78% | 3.31% | 4.16% | 3.70% | +17 bps | |
| Efficiency Ratio | 131.54% | 131.06% | 201% | 162.43% | 164.32% | +3,277 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 20.01% | 23.63% | 13.22% | 10.66% | 8.43% | -1,158 bps | |
| Loan Growth (YoY) | -23.01% | -0.85% | -15.26% | -16.52% | -23.78% | -77 bps | |
| Share Growth (YoY) | 15.28% | 20.18% | 11.68% | 8.19% | 12.61% | -267 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.92% | 1.19% | 0.83% | 1.32% | 4.44% | +152 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.29% | 8.09% | 12.85% | 14.02% | 15.58% | +629 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.39% | 8.10% | 2.32% | 4.73% | 3.51% | -487 bps | |
| Net Worth / Assets | 8.39% | 8.10% | 2.32% | 4.73% | 3.51% | -487 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.73% | 47.20% | 38.43% | 36.92% | 28.92% | -1,381 bps | |
| Liquid Assets / Assets | 59.41% | 53.91% | 54.76% | 62.29% | 69.98% | +1,057 bps | |