Clinton, NC · Charter 68514
Q1 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 33.44% | 14.64% | 4.62% | -29.29% | -4.76% | -1.60% | -1.51% | 1.13% | +3,042 bps | |
| Return on Equity | 200% | 133.33% | 100.00% | n/a | -172.13% | -75.97% | -72.31% | 47.44% | n/a | |
| Net Interest Margin | 0.02% | 0.12% | 0.19% | -3.39% | -2.31% | -0.56% | 0.57% | 4.61% | +801 bps | |
| Efficiency Ratio | 23.68% | 49.65% | 79.92% | n/a | 121.40% | 110.25% | 106.28% | 94.28% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -10.52% | 37.44% | 27.96% | 20.08% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | 12009% | 1705% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 3.21% | 49.65% | 29.77% | 13.03% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | n/a | n/a | 0.00% | 0.00% | 0.00% | 0.82% | 2.98% | 3.45% | +345 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 | n/a | n/a | 0.00% | 0.00% | 0.00% | 0.00% | 0.53% | 0.56% | +56 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.72% | 10.98% | 4.62% | -2.97% | 2.77% | 2.11% | 2.10% | 2.39% | +536 bps | |
| Net Worth / Assets | 16.72% | 10.98% | 4.62% | -2.97% | 2.77% | 2.11% | 2.10% | 2.39% | +536 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 0.00% | 0.00% | 0.87% | 4.92% | 52.85% | 75.46% | 80.99% | 78.58% | +7,366 bps | |
| Liquid Assets / Assets | 84.94% | 4.70% | 84.30% | 81.84% | 32.76% | 15.77% | 8.13% | 9.44% | -7,240 bps | |