Fayetteville, NC · Charter 64075
Q1 2004
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.96% | -0.97% | -0.55% | 2.29% | -2.84% | -3.16% | -8.25% | -8.63% | -1,092 bps | |
| Return on Equity | -92.62% | -46.47% | -23.77% | 83.89% | -421% | n/a | n/a | n/a | n/a | |
| Net Interest Margin | 4.59% | 5.21% | 5.58% | 5.71% | 6.14% | 6.30% | 7.57% | 7.40% | +170 bps | |
| Efficiency Ratio | 81.80% | 83.31% | 84.90% | 70.18% | 91.05% | 104.07% | 98.37% | 292% | +22,207 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.01% | 16.08% | 8.04% | -0.66% | -7.98% | -11.86% | -26.37% | -30.24% | -2,958 bps | |
| Loan Growth (YoY) | 92.49% | 56.79% | 66.31% | 37.15% | -17.89% | -23.11% | -24.85% | -32.05% | -6,920 bps | |
| Share Growth (YoY) | 9.85% | 20.52% | 12.32% | 7.87% | -2.60% | -9.37% | -19.94% | -34.45% | -4,232 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.97% | 7.11% | 8.15% | 8.15% | 13.00% | 13.06% | 16.66% | 5.74% | -241 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 | 5.01% | 4.45% | 4.54% | 4.40% | 6.50% | 6.02% | 12.55% | 3.40% | -100 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 2.11% | 2.08% | 2.30% | 2.72% | 0.68% | -0.03% | -5.78% | -8.39% | -1,111 bps | |
| Net Worth / Assets | 2.11% | 2.08% | 2.30% | 2.72% | 0.68% | -0.03% | -5.78% | -8.39% | -1,111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 106.23% | 101.07% | 98.70% | 94.09% | 89.55% | 85.75% | 92.63% | 97.53% | +344 bps | |
| Liquid Assets / Assets | 1.53% | 1.03% | 0.97% | 7.38% | 7.83% | 12.68% | 5.51% | 8.53% | +115 bps | |