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Fayetteville Observer-Times

Fayetteville, NC · Charter 66321

Q4 2007

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2007, the quarter ended December 31, 2007, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Fayetteville Observer-Times

Fayetteville, NC · Charter 66321

Q4 2007

$2.2MAssets
$2.0MLoans
$2.1MShares
$48KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -7.37%, down 804 bps year over year; NIM at 4.91%.
  • Asset quality: problem loans at 10.73% of loans (+1,031 bps YoY).
  • Capital: net worth / assets of 2.16%, down 653 bps from a year ago.
  • Funding: loans stand at 96.50% of shares as of Q4 2007.

Financial Results

Return on Assets (YTD, annualized)

-7.37%-804 bps YoY

Net Interest Margin (YTD, annualized)

4.91%-16 bps YoY

Efficiency Ratio (YTD, annualized)

100.64%+1,577 bps YoY

Net Worth / Assets

2.16%-653 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets0.67%1.21%0.10%0.95%-7.37%-804 bps
Return on Equity7.70%14.05%1.31%11.33%-341%-34,828 bps
Net Interest Margin5.07%5.10%4.72%4.44%4.91%-16 bps
Efficiency Ratio84.87%85.12%90.51%94.32%100.64%+1,577 bps
Growth
Asset Growth (YoY)7.48%8.66%15.42%16.99%-2.99%-1,047 bps
Loan Growth (YoY)6.65%8.09%2.75%3.55%-1.77%-842 bps
Share Growth (YoY)9.07%5.05%16.18%17.73%12.93%+386 bps
Asset Quality
Delinquent Loans / Loans0.42%0.68%2.03%7.30%10.73%+1,031 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.94%0.60%0.96%0.19%8.18%+724 bps
Capital
Risk-Based Capital8.69%8.60%7.64%8.43%2.16%-653 bps
Net Worth / Assets8.69%8.60%7.64%8.43%2.16%-653 bps
Liquidity & Funding
Loans / Shares110.94%102.74%88.81%91.81%96.50%-1,444 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps