PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ncaphcc

Raleigh, NC · Charter 65247

Q2 1996

$1.1MAssets
$458KLoans
$1.0MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 4.25%, up 129 bps year over year.
  • Asset quality: problem loans at 2.31% of loans (-86 bps YoY).
  • Funding: loans stand at 45.74% of shares as of Q2 1996.

Return on Assets (quarter, annualized)

4.25%+129 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets2.97%3.03%4.18%3.72%4.25%+129 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a40.53%n/an/a
Loan Growth (YoY)n/an/an/an/a39.63%n/an/a
Share Growth (YoY)n/an/an/an/a44.47%n/an/a
Asset Quality
Delinquent Loans / Loans3.17%5.09%4.45%5.46%2.31%-86 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.78%1.69%1.44%2.23%2.39%+61 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares47.33%46.41%62.38%55.34%45.74%-159 bps
Liquid Assets / Assets12.76%23.72%25.70%42.87%48.70%+3,593 bps