Greensboro, NC · Charter 66316
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Greensboro, NC · Charter 66316
Q3 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | 0.25% | -2.81% | -0.36% | -0.15% | -0.18% | -0.38% | 0.16% | +52 bps | |
| Return on Equity | 0.60% | 1.79% | -22.07% | -2.79% | -1.16% | -1.46% | -3.26% | 1.34% | +413 bps | |
| Net Interest Margin | 4.52% | 4.60% | 4.75% | 4.60% | 4.51% | 4.40% | 4.33% | 4.52% | -8 bps | |
| Efficiency Ratio | 94.62% | 93.57% | 87.86% | 74.00% | 77.57% | 79.55% | 101.55% | 86.63% | +1,263 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.69% | -1.25% | 1.24% | 2.24% | 8.60% | 12.70% | 13.52% | 11.41% | +917 bps | |
| Loan Growth (YoY) | -0.22% | -0.78% | -1.75% | 0.91% | 4.35% | 3.42% | 3.44% | 5.31% | +440 bps | |
| Share Growth (YoY) | -1.95% | -1.78% | 1.76% | 2.44% | 10.02% | 15.17% | 15.16% | 13.13% | +1,069 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 0.62% | 0.72% | 0.60% | 0.39% | 0.52% | 0.61% | 1.20% | +60 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 | 0.81% | 0.50% | 0.53% | 0.66% | 0.69% | 0.79% | 0.83% | 0.83% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.62% | 13.84% | 12.74% | 12.88% | 12.61% | 12.10% | 11.58% | 11.67% | -121 bps | |
| Net Worth / Assets | 13.62% | 13.84% | 12.74% | 12.88% | 12.61% | 12.10% | 11.58% | 11.67% | -121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.25% | 87.19% | 81.36% | 80.16% | 79.91% | 78.30% | 73.08% | 74.62% | -554 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |