Wilmington, NC · Charter 68388
Q2 2003
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 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.76% | 5.16% | 2.62% | 4.47% | -3.26% | -1.92% | -14.80% | -7.14% | -1,161 bps | |
| Return on Equity | 70.62% | 66.43% | 36.94% | 72.66% | -65.17% | -93.65% | n/a | n/a | n/a | |
| Net Interest Margin | 3.67% | 5.03% | 4.42% | 4.85% | 4.42% | 4.99% | 6.92% | 6.63% | +178 bps | |
| Efficiency Ratio | 54.48% | 61.36% | 67.51% | 63.57% | 152.18% | 92.08% | 130.57% | 107.34% | +4,377 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | 370% | 184.29% | 170.46% | 83.46% | 34.92% | 10.96% | -17,334 bps | |
| Loan Growth (YoY) | n/a | n/a | 524% | 197.69% | 176.12% | 109.08% | 51.73% | 19.89% | -17,780 bps | |
| Share Growth (YoY) | n/a | n/a | 339% | 177.25% | 177.21% | 90.41% | 48.49% | 21.73% | -15,552 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.66% | 1.90% | 1.16% | 3.60% | 6.82% | 7.51% | 11.47% | 9.18% | +558 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 | 0.35% | 0.39% | 0.61% | 0.92% | 0.66% | 2.46% | 5.47% | 3.60% | +268 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.16% | 7.76% | 7.08% | 6.15% | 5.00% | 2.05% | -1.67% | -1.47% | -762 bps | |
| Net Worth / Assets | 8.16% | 7.76% | 7.08% | 6.15% | 5.00% | 2.05% | -1.67% | -1.47% | -762 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.08% | 96.07% | 98.83% | 95.65% | 92.71% | 105.49% | 100.99% | 94.20% | -145 bps | |
| Liquid Assets / Assets | 11.75% | 11.17% | 4.47% | 6.37% | 10.41% | 0.91% | 2.21% | 7.31% | +94 bps | |