Valdese, NC · Charter 67177
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.33% | 4.96% | 4.88% | 4.35% | 3.82% | 3.75% | -1.02% | 0.10% | -425 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 4.78% | 4.62% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 91.62% | 97.79% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.84% | 6.85% | 6.35% | -3.08% | 2.15% | -0.79% | -9.82% | -8.33% | -525 bps | |
| Loan Growth (YoY) | -4.17% | 3.99% | 4.07% | -6.57% | -14.64% | -17.37% | -17.29% | -6.97% | -41 bps | |
| Share Growth (YoY) | 7.66% | 6.15% | 4.72% | -5.28% | 1.79% | -0.97% | -9.82% | -7.38% | -210 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.44% | 1.45% | 2.07% | 1.56% | 1.37% | 1.66% | 1.43% | 2.46% | +90 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 | 0.84% | 0.67% | 0.69% | 0.71% | 0.97% | 0.88% | 1.60% | 0.67% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.99% | 94.65% | 92.41% | 84.37% | 75.47% | 78.98% | 84.75% | 84.75% | +37 bps | |
| Liquid Assets / Assets | 12.92% | 8.81% | 9.42% | 18.14% | 26.04% | 22.99% | 8.23% | 0.00% | -1,814 bps | |