Durham, NC · Charter 63762
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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.
Durham, NC · Charter 63762
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.96% | 2.60% | 2.73% | 0.01% | -0.20% | -0.06% | -0.61% | -1.65% | -166 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -0.28% | -3.28% | -8.90% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 9.03% | 7.98% | 8.20% | 6.13% | 5.98% | -305 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 86.65% | 89.17% | 90.50% | 109.31% | 118.30% | +3,165 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -37.86% | -24.15% | -21.28% | -9.16% | -9.62% | -5.64% | 3.17% | 3.54% | +1,270 bps | |
| Loan Growth (YoY) | -19.18% | -24.58% | -29.10% | -26.32% | -24.87% | -35.81% | -35.71% | -37.39% | -1,107 bps | |
| Share Growth (YoY) | -41.40% | -27.48% | -26.28% | -11.50% | -12.18% | -6.41% | 5.89% | 6.92% | +1,842 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 4.22% | 3.55% | 3.49% | 1.91% | 4.60% | 4.54% | 2.27% | -122 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 | 3.49% | 3.36% | 3.78% | 3.81% | 3.64% | 4.80% | 2.58% | 2.97% | -83 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 20.66% | 18.47% | 18.51% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 20.66% | 18.47% | 18.51% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.36% | 104.83% | 94.70% | 90.55% | 79.01% | 71.89% | 57.49% | 53.03% | -3,752 bps | |
| Liquid Assets / Assets | 18.98% | 6.41% | 21.66% | 0.00% | 0.00% | 43.52% | 52.31% | 55.29% | +5,529 bps | |