Roanoke Rapids, NC · Charter 66290
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Roanoke Rapids, NC · Charter 66290
Q1 2003
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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | 0.07% | -1.89% | -2.32% | -4.75% | -4.95% | -5.87% | -6.83% | -451 bps | |
| Return on Equity | n/a | 0.35% | -9.43% | -10.56% | -23.41% | -25.16% | -27.87% | -36.41% | -2,586 bps | |
| Net Interest Margin | 5.25% | 6.29% | 4.69% | 5.13% | 4.23% | 4.09% | 4.35% | 2.82% | -230 bps | |
| Efficiency Ratio | 99.11% | 98.91% | 126.49% | 130.11% | 186.87% | 193.18% | 204% | 281% | +15,121 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.81% | -10.51% | -24.50% | -26.43% | -34.80% | -24.13% | -29.48% | -15.95% | +1,047 bps | |
| Loan Growth (YoY) | -3.35% | -4.03% | -24.63% | -34.49% | -41.68% | -51.97% | -44.29% | -42.94% | -846 bps | |
| Share Growth (YoY) | -4.54% | -12.69% | -28.58% | -30.22% | -38.00% | -24.35% | -30.62% | -12.48% | +1,774 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 0.44% | 3.42% | 7.49% | 6.47% | 3.42% | 5.09% | 2.66% | -482 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 | 1.95% | 2.05% | 3.11% | 3.99% | 5.34% | 7.03% | 7.88% | 9.40% | +541 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 19.64% | 20.07% | 22.00% | 20.31% | 19.69% | 21.08% | 18.76% | -324 bps | |
| Net Worth / Assets | n/a | 19.64% | 20.07% | 22.00% | 20.31% | 19.69% | 21.08% | 18.76% | -324 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.78% | 65.98% | 57.52% | 59.26% | 51.52% | 41.89% | 46.18% | 38.63% | -2,063 bps | |
| Liquid Assets / Assets | 31.74% | 39.58% | 46.34% | 45.36% | 48.77% | 57.35% | 54.42% | 60.08% | +1,472 bps | |