Wilson, NC · Charter 63692
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Wilson, NC · Charter 63692
Q3 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.89% | 2.03% | 1.97% | 1.82% | 1.68% | -8.58% | -6.37% | -5.23% | -705 bps | |
| Return on Equity | 16.11% | 17.31% | 16.51% | 14.89% | 13.42% | -76.81% | -56.75% | -42.99% | -5,789 bps | |
| Net Interest Margin | 4.05% | 4.42% | 4.34% | 4.16% | 4.21% | 4.56% | 5.03% | 4.37% | +21 bps | |
| Efficiency Ratio | 54.57% | 55.36% | 56.10% | 57.87% | 56.03% | 55.44% | 77.55% | 91.71% | +3,384 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.04% | -4.83% | -3.54% | -3.96% | 0.55% | -2.54% | -12.40% | -22.26% | -1,830 bps | |
| Loan Growth (YoY) | 3.70% | 0.84% | 1.16% | 5.86% | 5.36% | 6.38% | -10.24% | -21.82% | -2,768 bps | |
| Share Growth (YoY) | -0.73% | -5.81% | -4.37% | -4.68% | -0.33% | -1.91% | -13.40% | -22.15% | -1,746 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 1.31% | 0.31% | 0.00% | 3.06% | 4.45% | 12.69% | 30.93% | +3,093 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 | 0.10% | 1.44% | 0.96% | 0.93% | 1.32% | 5.15% | 1.54% | 1.88% | +95 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.71% | 11.75% | 11.93% | 12.21% | 12.48% | 11.17% | 11.22% | 12.16% | -5 bps | |
| Net Worth / Assets | 11.71% | 11.75% | 11.93% | 12.21% | 12.48% | 11.17% | 11.22% | 12.16% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.87% | 71.98% | 71.09% | 72.71% | 73.86% | 78.07% | 73.68% | 73.02% | +31 bps | |
| Liquid Assets / Assets | 34.97% | 33.82% | 34.65% | 33.54% | 33.01% | 30.69% | 33.05% | 32.57% | -97 bps | |