Fayetteville, NC · Charter 65588
Q2 1999
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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.44% | 5.21% | 6.10% | 5.56% | 5.79% | 5.48% | 5.32% | 4.93% | -63 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | -0.77% | -2.03% | 9.59% | 11.79% | 7.38% | 12.56% | 5.46% | -413 bps | |
| Loan Growth (YoY) | n/a | 16.63% | 7.45% | -0.32% | -3.78% | -9.57% | -13.28% | -23.31% | -2,300 bps | |
| Share Growth (YoY) | n/a | -4.14% | -6.11% | 6.82% | 9.52% | 5.47% | 11.54% | 8.04% | +123 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 1.03% | 0.40% | 1.09% | 0.36% | 0.64% | 1.86% | 0.65% | -44 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 | 1.78% | 1.62% | 1.38% | 1.43% | 1.34% | 0.97% | 1.09% | 0.54% | -89 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.22% | 65.16% | 65.24% | 58.63% | 56.42% | 55.87% | 50.72% | 41.61% | -1,701 bps | |
| Liquid Assets / Assets | 39.19% | 39.04% | 40.36% | 44.68% | 45.85% | 47.39% | 50.68% | 58.32% | +1,365 bps | |