Salisbury, NC · Charter 65983
Q1 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.68% | 0.66% | 0.49% | 0.52% | 0.00% | 0.12% | -5.22% | -570 bps | |
| Return on Equity | 3.35% | 5.88% | 5.70% | 4.54% | 4.85% | 0.02% | 1.37% | -72.84% | -7,738 bps | |
| Net Interest Margin | 4.40% | 4.54% | 4.48% | 4.34% | 4.05% | 3.98% | 3.38% | 3.34% | -100 bps | |
| Efficiency Ratio | 83.84% | 83.45% | 82.66% | 86.89% | 89.15% | 89.06% | 91.49% | 107.27% | +2,039 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.32% | 6.95% | 9.32% | 6.07% | 10.84% | 15.01% | 36.18% | 27.06% | +2,100 bps | |
| Loan Growth (YoY) | 9.50% | 13.48% | 6.96% | 4.75% | 6.50% | 9.15% | 37.88% | 40.71% | +3,596 bps | |
| Share Growth (YoY) | 7.13% | 6.21% | 9.98% | 6.25% | 7.93% | 7.48% | 28.04% | 30.15% | +2,389 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.80% | 1.98% | 1.77% | 2.41% | 2.72% | 1.88% | 1.92% | 2.67% | +26 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% | 0.55% | 0.70% | 0.67% | 0.65% | 0.73% | 0.48% | 0.64% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.14% | 11.54% | 11.50% | 10.73% | 10.74% | 10.18% | 8.56% | 7.16% | -357 bps | |
| Net Worth / Assets | 11.14% | 11.54% | 11.50% | 10.73% | 10.74% | 10.18% | 8.56% | 7.16% | -357 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.69% | 89.63% | 86.81% | 77.87% | 81.59% | 91.02% | 93.49% | 84.20% | +632 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |