PackageTrendsPeer
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N C F B

Greensboro, NC · Charter 63683

Q1 2008

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2008, the quarter ended March 31, 2008, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

N C F B

Greensboro, NC · Charter 63683

Q1 2008

$248KAssets
$227KLoans
$156KShares
$87KNet Worth

Executive Summary

  • Earnings: ROA of 6.05%, up 1,174 bps year over year; NIM at 12.16%.
  • Asset quality: problem loans at 1.31% of loans (0 bps YoY).
  • Capital: net worth / assets of 34.87%, up 745 bps from a year ago.
  • Funding: loans stand at 145.55% of shares as of Q1 2008.

Return on Assets (YTD, annualized)

6.05%+1,174 bps YoY

Net Interest Margin (YTD, annualized)

12.16%+91 bps YoY

Efficiency Ratio (YTD, annualized)

33.15%-673 bps YoY

Net Worth / Assets

34.87%+745 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets1.25%0.62%1.40%-5.69%0.81%2.76%4.44%6.05%+1,174 bps
Return on Equity4.65%2.22%4.76%-20.75%2.93%9.19%12.83%17.35%+3,810 bps
Net Interest Margin7.83%8.73%9.50%11.25%11.16%11.30%12.58%12.16%+91 bps
Efficiency Ratio47.41%41.43%39.76%39.87%40.49%40.56%39.51%33.15%-673 bps
Growth
Asset Growth (YoY)4.85%1.78%-4.53%2.07%1.53%3.00%-2.82%-0.81%-288 bps
Loan Growth (YoY)11.74%32.26%49.09%51.65%47.46%16.62%0.78%9.63%-4,202 bps
Share Growth (YoY)1.76%-0.49%-8.04%4.79%-0.13%-0.45%-10.55%-12.73%-1,753 bps
Asset Quality
Delinquent Loans / Loans4.65%4.21%5.15%1.31%1.06%1.02%1.38%1.31%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans3.95%4.64%5.14%6.05%5.92%5.36%5.47%5.44%-61 bps
Capital
Risk-Based Capital26.94%27.92%29.33%27.42%27.62%30.06%34.62%34.87%+745 bps
Net Worth / Assets26.94%27.92%29.33%27.42%27.62%30.06%34.62%34.87%+745 bps
Liquidity & Funding
Loans / Shares76.28%105.86%125.43%115.86%112.62%124.02%141.31%145.55%+2,969 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps