Roanoke, VA · Charter 1258
Q4 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.33% | 2.84% | 3.05% | 3.24% | 1.54% | 0.75% | 2.21% | 2.97% | -27 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 | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | -20.37% | -29.16% | -26.19% | -26.86% | -18.20% | -13.78% | +1,538 bps | |
| Loan Growth (YoY) | n/a | n/a | -1.35% | -16.64% | -33.19% | -35.59% | -33.11% | -36.18% | -1,954 bps | |
| Share Growth (YoY) | n/a | n/a | -24.80% | -36.29% | -32.23% | -33.48% | -23.78% | -19.06% | +1,723 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.33% | 2.45% | 2.10% | 2.69% | 2.49% | 1.52% | 4.63% | 5.25% | +257 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 | 2.81% | 2.66% | 2.88% | 2.47% | 1.80% | 3.12% | 4.16% | 4.92% | +245 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 | 90.30% | 100.29% | 98.56% | 97.34% | 89.02% | 97.11% | 86.49% | 76.75% | -2,059 bps | |
| Liquid Assets / Assets | 24.03% | 14.68% | 20.58% | 25.02% | 24.59% | 23.86% | 24.83% | 44.58% | +1,956 bps | |