Nashville, TN · Charter 16343
Q4 1997
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 7.00% | 7.02% | 1.91% | -1.64% | 3.12% | -2.76% | -1.35% | -10.02% | -838 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 | n/a | 2.36% | -35.72% | -41.59% | -42.79% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -48.15% | -48.03% | -44.96% | -70.87% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 1.11% | -54.97% | -62.53% | -59.38% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.96% | 6.90% | 16.90% | 20.85% | 27.39% | 15.54% | 18.11% | 15.74% | -511 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 | 5.37% | 6.48% | 10.43% | 11.57% | 13.81% | 8.40% | 10.76% | 31.01% | +1,944 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 | 127.99% | 93.67% | 73.88% | 81.28% | 65.63% | 108.11% | 108.51% | 58.29% | -2,300 bps | |
| Liquid Assets / Assets | 4.24% | 3.87% | 1.51% | 1.81% | 1.78% | 2.59% | 2.86% | 3.48% | +168 bps | |