Windsor, NC · Charter 63711
Q4 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.33% | 0.32% | -0.17% | -14.56% | -11.64% | -9.91% | -8.36% | -820 bps | |
| Return on Equity | 2.68% | 2.25% | 2.11% | -1.06% | -114.58% | -97.85% | -99.61% | -81.88% | -8,082 bps | |
| Net Interest Margin | 5.86% | 5.57% | 5.65% | 5.82% | 6.56% | 6.11% | 6.01% | 6.84% | +101 bps | |
| Efficiency Ratio | 93.85% | 94.46% | 94.80% | 102.64% | 87.43% | 141.19% | 131.78% | 119.30% | +1,666 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.09% | -4.87% | -3.30% | -9.61% | -13.25% | -18.93% | -21.30% | -24.40% | -1,479 bps | |
| Loan Growth (YoY) | 14.80% | 5.43% | 1.44% | -6.49% | -13.03% | -17.18% | -20.93% | -24.32% | -1,783 bps | |
| Share Growth (YoY) | -2.93% | -6.09% | -3.97% | -15.43% | -14.75% | -17.75% | -16.66% | -15.54% | -11 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.09% | 6.04% | 5.78% | 15.83% | 8.45% | 16.05% | 14.69% | 11.41% | -442 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 | 3.47% | 3.41% | 3.45% | 1.86% | 6.03% | 7.31% | 9.23% | 7.45% | +560 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.53% | 14.78% | 15.06% | 15.56% | 12.71% | 11.89% | 9.94% | 10.21% | -535 bps | |
| Net Worth / Assets | 14.53% | 14.78% | 15.06% | 15.56% | 12.71% | 11.89% | 9.94% | 10.21% | -535 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.11% | 102.92% | 103.45% | 111.08% | 106.20% | 103.64% | 98.16% | 99.54% | -1,154 bps | |
| Liquid Assets / Assets | 5.57% | 6.98% | 4.85% | 3.22% | 5.96% | 5.05% | 12.08% | 8.41% | +519 bps | |