Lynchburg, VA · Charter 15537
Q2 1998
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 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.45% | 4.02% | 4.40% | 4.72% | 3.81% | 3.24% | 0.31% | -11.01% | -1,573 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 | n/a | 6.55% | 3.84% | -0.43% | -4.52% | -20.41% | -2,696 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 18.57% | 6.00% | 2.74% | -6.85% | -22.13% | -4,069 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 9.28% | 19.52% | 12.13% | 13.92% | -9.36% | -1,864 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.08% | 4.19% | 2.88% | 2.83% | 4.72% | 0.82% | 5.53% | 6.09% | +326 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 | 1.10% | 1.34% | 1.22% | 0.66% | 0.86% | 1.28% | 1.22% | 9.61% | +895 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 | 106.03% | 102.91% | 106.35% | 98.27% | 94.05% | 94.29% | 86.96% | 84.42% | -1,384 bps | |
| Liquid Assets / Assets | 0.73% | 7.09% | 5.31% | 3.50% | 5.07% | 5.34% | 8.25% | 9.76% | +626 bps | |