Research Triang, NC · Charter 68496
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.44% | -1.19% | -1.05% | 0.57% | -3.30% | -3.94% | -2.63% | -4.66% | -523 bps | |
| Return on Equity | -64.30% | -19.98% | -17.32% | 7.75% | -51.60% | -74.47% | -48.00% | -147.76% | -15,551 bps | |
| Net Interest Margin | 1.68% | 2.13% | 2.56% | 2.80% | 3.86% | 3.35% | 3.21% | 4.01% | +122 bps | |
| Efficiency Ratio | 280% | 113.25% | 109.63% | 84.30% | 159.39% | 70.71% | 77.69% | 86.25% | +195 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.24% | -15.87% | -17.85% | -21.93% | -6.69% | -2.41% | -0.68% | -5.13% | +1,679 bps | |
| Loan Growth (YoY) | 77.08% | 2.97% | 44.64% | 34.09% | 43.68% | 30.87% | -5.40% | 7.84% | -2,625 bps | |
| Share Growth (YoY) | -18.85% | -19.35% | -22.22% | -23.65% | -7.76% | -1.17% | -0.57% | -0.99% | +2,267 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.42% | 1.61% | 1.62% | 1.66% | 1.76% | 19.53% | 33.69% | 23.09% | +2,142 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 | 0.00% | 0.68% | 0.56% | 0.79% | 1.07% | 6.71% | 6.53% | 3.23% | +245 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.36% | 5.95% | 6.04% | 7.41% | 6.40% | 5.30% | 5.47% | 3.15% | -426 bps | |
| Net Worth / Assets | 5.36% | 5.95% | 6.04% | 7.41% | 6.40% | 5.30% | 5.47% | 3.15% | -426 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.68% | 42.16% | 62.36% | 58.47% | 58.69% | 55.82% | 59.34% | 63.68% | +521 bps | |
| Liquid Assets / Assets | 56.42% | 51.29% | 34.20% | 36.08% | 38.40% | 40.20% | 41.32% | 34.70% | -137 bps | |