Durham, NC · Charter 66318
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.53% | 5.04% | 4.97% | 4.77% | 4.76% | 0.00% | 0.02% | 0.01% | -476 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.09% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 3.75% | 4.12% | 3.79% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 100.00% | 99.49% | 109.36% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.81% | 7.96% | 10.75% | 8.61% | 7.51% | 4.04% | -3.51% | -7.16% | -1,577 bps | |
| Loan Growth (YoY) | -4.76% | -27.79% | -27.84% | -21.18% | -14.74% | -11.38% | -38.60% | -40.93% | -1,975 bps | |
| Share Growth (YoY) | 7.49% | 9.00% | 12.54% | 9.90% | 8.96% | 4.74% | -3.70% | -8.18% | -1,809 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.18% | 2.30% | 2.04% | 1.59% | 1.41% | 3.20% | 0.51% | 0.04% | -155 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 | 3.46% | 4.09% | 4.01% | 3.97% | 4.16% | 4.67% | 5.31% | 4.04% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 12.18% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 12.18% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.19% | 48.05% | 47.69% | 48.64% | 45.53% | 40.66% | 30.40% | 31.30% | -1,735 bps | |
| Liquid Assets / Assets | 41.55% | 47.26% | 56.45% | 49.41% | 55.82% | 57.41% | 68.56% | 73.07% | +2,366 bps | |