Charlotte, NC · Charter 63530
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 | 0.46% | 0.61% | 0.62% | 0.11% | 0.23% | 0.06% | 0.00% | 0.06% | -6 bps | |
| Return on Equity | 4.39% | 5.59% | 5.53% | 1.00% | 2.00% | 0.56% | 0.00% | 0.53% | -47 bps | |
| Net Interest Margin | 3.84% | 3.87% | 3.83% | 3.73% | 3.71% | 3.72% | 3.80% | 3.36% | -37 bps | |
| Efficiency Ratio | 81.90% | 79.20% | 78.54% | 81.83% | 82.21% | 84.45% | 84.66% | 96.62% | +1,479 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.60% | -3.49% | -2.77% | -5.05% | -1.96% | -2.64% | -3.38% | 4.48% | +953 bps | |
| Loan Growth (YoY) | 1.17% | -3.26% | -3.55% | -5.52% | -7.05% | -7.16% | -7.32% | -5.75% | -23 bps | |
| Share Growth (YoY) | -4.14% | -4.09% | -3.90% | -6.42% | -2.78% | -3.07% | -3.42% | 5.38% | +1,180 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.90% | 1.02% | 1.29% | 1.21% | 1.17% | 1.21% | 0.86% | 1.38% | +17 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 | 0.50% | 0.54% | 0.66% | 0.71% | 0.67% | 0.74% | 0.82% | 0.82% | +11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.54% | 10.90% | 11.14% | 11.18% | 11.25% | 11.40% | 11.54% | 10.69% | -49 bps | |
| Net Worth / Assets | 10.54% | 10.90% | 11.14% | 11.18% | 11.25% | 11.40% | 11.54% | 10.69% | -49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.14% | 82.44% | 83.17% | 80.00% | 77.58% | 78.96% | 79.81% | 71.56% | -845 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |