Charlotte, NC · Charter 63528
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.64% | -0.38% | 0.04% | -0.26% | -0.21% | -1.03% | -0.55% | -59 bps | |
| Return on Equity | 1.88% | 2.57% | -1.46% | 0.16% | -1.03% | -0.70% | -3.39% | -1.80% | -196 bps | |
| Net Interest Margin | 5.16% | 5.18% | 5.84% | 4.72% | 4.98% | 5.45% | 5.20% | 5.05% | +34 bps | |
| Efficiency Ratio | 91.49% | 87.71% | 106.48% | 99.16% | 105.23% | 103.89% | 119.82% | 106.58% | +741 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.61% | -7.93% | -18.66% | -6.23% | -8.31% | -19.05% | -16.38% | -20.41% | -1,418 bps | |
| Loan Growth (YoY) | -18.72% | -16.19% | -21.03% | -20.15% | -15.57% | -16.27% | -14.88% | -21.25% | -109 bps | |
| Share Growth (YoY) | -8.64% | -10.89% | -24.04% | -8.37% | -10.57% | -24.70% | -21.34% | -26.41% | -1,804 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.78% | 2.99% | +299 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 | 2.69% | 2.89% | 3.13% | 3.14% | 3.19% | 3.46% | 3.67% | 3.98% | +85 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.47% | 24.88% | 26.02% | 24.96% | 25.35% | 30.10% | 30.39% | 30.48% | +552 bps | |
| Net Worth / Assets | 23.47% | 24.88% | 26.02% | 24.96% | 25.35% | 30.10% | 30.39% | 30.48% | +552 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.74% | 103.00% | 103.01% | 96.71% | 97.93% | 114.54% | 111.46% | 103.50% | +678 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |