Winston-Salem, NC · Charter 63575
Q3 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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.57% | -2.39% | -1.15% | -0.56% | -0.30% | 0.03% | -0.06% | 0.07% | +62 bps | |
| Return on Equity | -3.95% | -17.20% | -7.95% | -3.76% | -1.81% | 0.17% | -0.37% | 0.41% | +417 bps | |
| Net Interest Margin | 4.22% | 4.41% | 4.58% | 4.64% | 5.01% | 4.29% | 4.17% | 4.19% | -45 bps | |
| Efficiency Ratio | 103.10% | 99.54% | 97.85% | 94.03% | 87.73% | 96.76% | 99.99% | 97.57% | +354 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.82% | -8.92% | -8.02% | -7.32% | -13.65% | -8.57% | -5.72% | -4.97% | +235 bps | |
| Loan Growth (YoY) | -7.81% | -8.96% | -11.87% | -7.66% | -11.39% | -13.94% | -13.16% | -15.23% | -757 bps | |
| Share Growth (YoY) | -5.93% | -6.69% | -6.08% | -8.12% | -15.79% | -10.29% | -7.00% | -6.09% | +203 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.69% | 1.24% | 1.37% | 2.19% | 1.88% | 2.04% | 1.82% | 1.94% | -25 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 | 0.51% | 0.74% | 0.99% | 1.00% | 0.82% | 0.94% | 0.85% | 0.63% | -37 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.34% | 13.87% | 14.45% | 14.78% | 16.31% | 15.55% | 15.62% | 15.75% | +97 bps | |
| Net Worth / Assets | 14.34% | 13.87% | 14.45% | 14.78% | 16.31% | 15.55% | 15.62% | 15.75% | +97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.10% | 80.43% | 81.37% | 81.53% | 88.50% | 77.16% | 75.98% | 73.59% | -793 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |