Hickory, NC · Charter 65385
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | -0.48% | -0.41% | -1.38% | -1.11% | -0.89% | -1.04% | -2.82% | -144 bps | |
| Return on Equity | 4.47% | -3.44% | -3.22% | -11.15% | -9.16% | -7.08% | -8.80% | -23.41% | -1,226 bps | |
| Net Interest Margin | 4.51% | 4.77% | 4.10% | 4.09% | 3.91% | 3.88% | 2.97% | 3.68% | -41 bps | |
| Efficiency Ratio | 86.98% | 85.34% | 104.18% | 96.19% | 102.39% | 103.94% | 134.73% | 89.23% | -696 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.02% | -7.98% | -0.94% | -1.32% | -4.13% | -0.99% | -1.10% | -9.33% | -801 bps | |
| Loan Growth (YoY) | -1.55% | -6.17% | -7.27% | -17.09% | -21.96% | -31.96% | -24.48% | -23.24% | -615 bps | |
| Share Growth (YoY) | -8.36% | -8.50% | -0.02% | 0.59% | -2.83% | -0.09% | -0.02% | -8.97% | -956 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.31% | 1.50% | 2.49% | 2.76% | 0.00% | 0.00% | 4.48% | +199 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 | 0.00% | 1.31% | 1.43% | 2.49% | 2.76% | 0.00% | 0.00% | 1.37% | -112 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.32% | 13.81% | 12.68% | 12.36% | 12.13% | 12.57% | 11.81% | 12.03% | -33 bps | |
| Net Worth / Assets | 13.32% | 13.81% | 12.68% | 12.36% | 12.13% | 12.57% | 11.81% | 12.03% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.68% | 104.67% | 95.76% | 88.66% | 79.25% | 71.28% | 72.33% | 74.77% | -1,389 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |