Wilmington, NC · Charter 66590
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.60% | 0.05% | -0.10% | 0.04% | 0.05% | -1.90% | -1.77% | -2.67% | -271 bps | |
| Return on Equity | -34.03% | 0.65% | -1.33% | 0.56% | 0.62% | -24.59% | -24.05% | -40.57% | -4,113 bps | |
| Net Interest Margin | 4.89% | 4.52% | 4.54% | 4.65% | 4.84% | 4.66% | 4.61% | 4.71% | +6 bps | |
| Efficiency Ratio | 115.41% | 109.43% | 106.48% | 110.51% | 107.64% | 109.67% | 109.84% | 110.55% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.69% | -0.64% | 3.80% | 3.05% | -2.58% | -9.77% | -11.26% | -12.74% | -1,579 bps | |
| Loan Growth (YoY) | -16.19% | -18.29% | -14.05% | -7.73% | 0.70% | 3.79% | -4.62% | -9.88% | -215 bps | |
| Share Growth (YoY) | 2.78% | 6.12% | 7.28% | 5.32% | -5.75% | -10.67% | -11.80% | -12.18% | -1,751 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.06% | 0.61% | 0.29% | 0.81% | 3.37% | 4.31% | 5.63% | 4.80% | +400 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 | 3.25% | 1.85% | 1.55% | 0.97% | 0.77% | 1.04% | 1.27% | 2.84% | +187 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.65% | 7.38% | 7.32% | 7.57% | 7.95% | 7.75% | 7.36% | 6.58% | -99 bps | |
| Net Worth / Assets | 7.65% | 7.38% | 7.32% | 7.57% | 7.95% | 7.75% | 7.36% | 6.58% | -99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.61% | 47.06% | 48.27% | 50.86% | 55.15% | 54.68% | 52.20% | 52.20% | +134 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |