Raleigh, NC · Charter 63524
Q1 2008
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | -0.73% | -1.51% | -0.28% | -0.29% | -0.12% | -0.44% | -1.55% | -127 bps | |
| Return on Equity | 0.34% | -6.59% | -14.49% | -2.73% | -2.82% | -1.14% | -4.38% | -16.81% | -1,408 bps | |
| Net Interest Margin | 6.88% | 7.07% | 7.34% | 7.24% | 7.25% | 7.07% | 7.23% | 5.89% | -134 bps | |
| Efficiency Ratio | 99.53% | 109.18% | 112.43% | 103.39% | 103.51% | 101.41% | 105.22% | 122.32% | +1,893 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.28% | -17.36% | -17.44% | -12.49% | -14.18% | -2.75% | -2.57% | 2.46% | +1,495 bps | |
| Loan Growth (YoY) | -14.32% | -15.49% | -10.94% | -4.10% | -5.29% | -0.97% | 3.82% | -6.62% | -252 bps | |
| Share Growth (YoY) | -13.77% | -18.88% | -18.11% | -12.54% | -14.14% | -1.76% | -2.40% | 3.87% | +1,641 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.12% | 2.12% | 1.97% | 1.59% | 1.49% | 1.19% | 1.01% | 0.67% | -92 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 | 0.75% | 0.78% | 1.37% | 1.34% | 1.40% | 1.37% | 1.35% | 1.36% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.39% | 11.02% | 10.43% | 10.36% | 10.43% | 10.18% | 10.14% | 9.25% | -111 bps | |
| Net Worth / Assets | 10.39% | 11.02% | 10.43% | 10.36% | 10.43% | 10.18% | 10.14% | 9.25% | -111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.51% | 94.01% | 93.04% | 96.73% | 94.32% | 94.76% | 98.97% | 86.96% | -977 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |