Winston-Salem, NC · Charter 63550
Q2 2005
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.44% | 0.02% | 0.74% | 0.23% | -0.64% | 0.25% | 1.96% | 1.57% | +134 bps | |
| Return on Equity | -2.94% | 0.15% | 4.75% | 1.40% | -4.01% | 1.55% | 8.72% | 6.90% | +551 bps | |
| Net Interest Margin | 1.63% | 1.95% | 2.73% | 2.09% | 2.46% | 2.97% | 4.75% | 3.68% | +159 bps | |
| Efficiency Ratio | 126.84% | 98.90% | 72.96% | 89.11% | 105.24% | 73.90% | 58.73% | 57.34% | -3,178 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.76% | 8.99% | -0.37% | -6.69% | -7.16% | -9.66% | -29.19% | -23.99% | -1,730 bps | |
| Loan Growth (YoY) | 11.14% | 0.34% | 14.68% | 31.30% | 0.54% | -13.61% | -42.70% | -61.12% | -9,242 bps | |
| Share Growth (YoY) | 15.58% | 10.70% | -0.94% | -7.70% | -8.32% | -11.59% | -34.75% | -29.16% | -2,146 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 23.22% | 8.76% | 4.84% | 3.93% | 0.00% | 0.00% | 2.69% | 14.78% | +1,085 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 | 0.90% | 1.10% | 0.81% | 0.10% | 0.32% | 0.80% | 0.89% | 1.31% | +121 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.90% | 14.65% | 15.52% | 16.31% | 15.93% | 16.47% | 22.49% | 22.71% | +641 bps | |
| Net Worth / Assets | 14.90% | 14.65% | 15.52% | 16.31% | 15.93% | 16.47% | 22.49% | 22.71% | +641 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.52% | 47.73% | 68.80% | 74.82% | 64.18% | 46.64% | 60.41% | 41.06% | -3,376 bps | |
| Liquid Assets / Assets | 50.57% | 58.93% | 41.86% | 37.13% | 46.08% | 45.14% | 52.39% | 67.46% | +3,032 bps | |