Winston-Salem, NC · Charter 63654
Q4 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -8.96% | -2.29% | -3.37% | -3.44% | -6.00% | +296 bps | |
| Return on Equity | -81.47% | -20.67% | -31.47% | -38.73% | n/a | n/a | |
| Net Interest Margin | 4.57% | 3.90% | 4.87% | 4.34% | 5.19% | +62 bps | |
| Efficiency Ratio | 152.73% | 137.23% | 137.94% | 149.21% | 159.80% | +706 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -20.12% | -24.65% | -20.52% | -8.52% | -29.70% | -958 bps | |
| Loan Growth (YoY) | -26.40% | -26.68% | -15.48% | -6.77% | -20.57% | +583 bps | |
| Share Growth (YoY) | -23.22% | -16.56% | -15.20% | -6.25% | -22.53% | +69 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.74% | 6.12% | 4.96% | 2.98% | 0.00% | -574 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.13% | 6.10% | 5.84% | 4.48% | 6.14% | +101 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.99% | 11.08% | 10.72% | 8.88% | -0.06% | -1,106 bps | |
| Net Worth / Assets | 10.99% | 11.08% | 10.72% | 8.88% | -0.06% | -1,106 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.73% | 64.07% | 66.49% | 58.18% | 66.37% | +164 bps | |
| Liquid Assets / Assets | 42.38% | 34.97% | 31.79% | 47.04% | 25.65% | -1,674 bps | |