Marion, NC · Charter 63529
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Marion, NC · Charter 63529
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.40% | 3.74% | 3.50% | 3.34% | 2.57% | 0.16% | 1.37% | -0.22% | -355 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -0.98% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 6.88% | 7.86% | 8.02% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 97.73% | 82.56% | 102.72% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.22% | 0.80% | 2.86% | 6.18% | 4.87% | 0.18% | 0.07% | -8.08% | -1,426 bps | |
| Loan Growth (YoY) | 5.49% | -0.04% | -4.21% | -3.66% | -9.64% | -8.12% | 6.16% | 3.42% | +707 bps | |
| Share Growth (YoY) | 1.58% | -0.04% | 3.20% | 7.12% | 5.74% | -0.16% | -0.94% | -10.08% | -1,720 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.91% | 1.31% | 0.71% | 3.22% | 2.23% | 4.19% | 3.07% | 4.28% | +106 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 | 4.63% | 4.58% | 5.49% | 5.57% | 5.39% | 5.48% | 5.20% | 4.56% | -101 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 22.14% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 22.14% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 106.00% | 114.91% | 98.41% | 100.64% | 90.58% | 105.75% | 105.47% | 115.75% | +1,510 bps | |
| Liquid Assets / Assets | 12.04% | 7.38% | 16.40% | 16.80% | 23.66% | 15.17% | 15.91% | 11.29% | -552 bps | |