Greensboro, NC · Charter 63683
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 | 1.25% | 0.62% | 1.40% | -5.69% | 0.81% | 2.76% | 4.44% | 6.05% | +1,174 bps | |
| Return on Equity | 4.65% | 2.22% | 4.76% | -20.75% | 2.93% | 9.19% | 12.83% | 17.35% | +3,810 bps | |
| Net Interest Margin | 7.83% | 8.73% | 9.50% | 11.25% | 11.16% | 11.30% | 12.58% | 12.16% | +91 bps | |
| Efficiency Ratio | 47.41% | 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 / Loans | 4.65% | 4.21% | 5.15% | 1.31% | 1.06% | 1.02% | 1.38% | 1.31% | 0 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 | 3.95% | 4.64% | 5.14% | 6.05% | 5.92% | 5.36% | 5.47% | 5.44% | -61 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.94% | 27.92% | 29.33% | 27.42% | 27.62% | 30.06% | 34.62% | 34.87% | +745 bps | |
| Net Worth / Assets | 26.94% | 27.92% | 29.33% | 27.42% | 27.62% | 30.06% | 34.62% | 34.87% | +745 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.28% | 105.86% | 125.43% | 115.86% | 112.62% | 124.02% | 141.31% | 145.55% | +2,969 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |