Fayetteville, NC · Charter 66321
Q4 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.74% | 1.00% | 0.41% | 0.67% | 1.21% | 0.10% | 0.95% | -7.37% | -804 bps | |
| Return on Equity | -45.54% | 11.57% | 4.74% | 7.70% | 14.05% | 1.31% | 11.33% | -341% | -34,828 bps | |
| Net Interest Margin | 4.19% | 4.80% | 5.33% | 5.07% | 5.10% | 4.72% | 4.44% | 4.91% | -16 bps | |
| Efficiency Ratio | 100.76% | 86.72% | 80.54% | 84.87% | 85.12% | 90.51% | 94.32% | 100.64% | +1,577 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.77% | 17.09% | 8.89% | 7.48% | 8.66% | 15.42% | 16.99% | -2.99% | -1,047 bps | |
| Loan Growth (YoY) | 11.95% | 19.42% | 16.05% | 6.65% | 8.09% | 2.75% | 3.55% | -1.77% | -842 bps | |
| Share Growth (YoY) | 6.66% | 21.11% | 15.74% | 9.07% | 5.05% | 16.18% | 17.73% | 12.93% | +386 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 2.02% | 0.84% | 0.42% | 0.68% | 2.03% | 7.30% | 10.73% | +1,031 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 | 0.75% | 0.73% | 1.10% | 0.94% | 0.60% | 0.96% | 0.19% | 8.18% | +724 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.22% | 8.65% | 8.63% | 8.69% | 8.60% | 7.64% | 8.43% | 2.16% | -653 bps | |
| Net Worth / Assets | 8.22% | 8.65% | 8.63% | 8.69% | 8.60% | 7.64% | 8.43% | 2.16% | -653 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.85% | 100.42% | 104.38% | 110.94% | 102.74% | 88.81% | 91.81% | 96.50% | -1,444 bps | |
| Liquid Assets / Assets | 6.70% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |