Raleigh, NC · Charter 63914
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Raleigh, NC · Charter 63914
Q3 2011
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.08% | 0.11% | 0.16% | -0.05% | 0.15% | -0.40% | -1.35% | -151 bps | |
| Return on Equity | 1.88% | 0.32% | 0.41% | 0.59% | -0.16% | 0.49% | -1.24% | -4.22% | -481 bps | |
| Net Interest Margin | 3.68% | 3.58% | 3.63% | 3.82% | 3.51% | 3.30% | 3.29% | 3.25% | -57 bps | |
| Efficiency Ratio | 48.00% | 58.24% | 60.06% | 84.91% | 85.15% | 84.48% | 78.40% | 93.63% | +873 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.36% | -4.41% | -7.62% | -10.66% | -14.55% | -16.95% | -16.75% | -17.25% | -659 bps | |
| Loan Growth (YoY) | -16.98% | -21.01% | -12.34% | -12.80% | -25.64% | -32.16% | -39.90% | -38.35% | -2,555 bps | |
| Share Growth (YoY) | 5.50% | -6.14% | -10.24% | -14.65% | -19.01% | -22.84% | -22.65% | -22.54% | -789 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.74% | 4.73% | 5.30% | 7.63% | 10.95% | 9.33% | 10.91% | 11.49% | +385 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 | 0.78% | 1.33% | 1.81% | 1.41% | 1.71% | 0.49% | 1.63% | 2.24% | +83 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.28% | 25.85% | 26.71% | 27.32% | 28.23% | 31.22% | 31.90% | 31.96% | +464 bps | |
| Net Worth / Assets | 24.28% | 25.85% | 26.71% | 27.32% | 28.23% | 31.22% | 31.90% | 31.96% | +464 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.08% | 68.06% | 71.90% | 68.43% | 59.75% | 59.85% | 55.86% | 54.46% | -1,396 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |