Richmond, VA · Charter 15434
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 | 4.26% | -2.23% | 4.02% | 3.42% | -10.34% | -6.39% | 1.89% | 2.19% | -123 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 | -54.46% | -35.92% | -50.91% | -42.05% | -31.68% | -39.66% | -374 bps | |
| Loan Growth (YoY) | n/a | n/a | -29.01% | -39.66% | -60.24% | -59.65% | -68.80% | -74.07% | -3,440 bps | |
| Share Growth (YoY) | n/a | n/a | -55.65% | -28.71% | -40.99% | -42.45% | -29.73% | -38.08% | -937 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.15% | 3.72% | 5.54% | 27.50% | 20.70% | 7.24% | 9.43% | 11.90% | -1,560 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 | 1.85% | 3.26% | 6.13% | 5.82% | 10.54% | 9.32% | 14.65% | 13.91% | +808 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 | 129.18% | 107.58% | 115.86% | 102.63% | 87.04% | 75.43% | 51.44% | 42.99% | -5,964 bps | |
| Liquid Assets / Assets | 2.26% | 0.00% | 0.00% | 0.00% | 1.69% | 1.28% | 44.17% | 32.86% | +3,286 bps | |