Raleigh, NC · Charter 66589
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.18% | 0.73% | 1.05% | 0.78% | 0.68% | 0.50% | 0.81% | 1.26% | +48 bps | |
| Return on Equity | 10.70% | 6.87% | 10.42% | 7.77% | 6.61% | 4.87% | 9.94% | 15.00% | +723 bps | |
| Net Interest Margin | 5.20% | 5.08% | 4.53% | 4.42% | 4.52% | 4.50% | 3.57% | 3.44% | -98 bps | |
| Efficiency Ratio | 78.74% | 82.99% | 77.46% | 78.01% | 78.28% | 80.29% | 83.69% | 70.25% | -776 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.78% | 4.62% | 10.57% | 12.67% | 11.44% | 9.99% | 22.03% | 22.31% | +964 bps | |
| Loan Growth (YoY) | 5.75% | 6.18% | 8.29% | 5.52% | 3.44% | 1.84% | 2.25% | 2.52% | -300 bps | |
| Share Growth (YoY) | 4.21% | 4.07% | 11.04% | 13.39% | 12.19% | 10.75% | 8.60% | 8.83% | -456 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.84% | 0.62% | 0.69% | 0.90% | 0.51% | 0.62% | 0.42% | 1.26% | +35 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 | 0.76% | 0.74% | 0.85% | 0.93% | 0.95% | 0.96% | 0.69% | 0.75% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.06% | 10.67% | 10.08% | 10.01% | 10.31% | 10.19% | 8.16% | 8.41% | -160 bps | |
| Net Worth / Assets | 11.06% | 10.67% | 10.08% | 10.01% | 10.31% | 10.19% | 8.16% | 8.41% | -160 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.38% | 93.89% | 84.33% | 82.07% | 86.10% | 86.33% | 79.39% | 77.31% | -476 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |