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Richmond Continental

Sandston, VA · Charter 18099

Q2 1997

$239KAssets
$136KLoans
$237KShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -6.24%, down 977 bps year over year.
  • Asset quality: problem loans at 1.29% of loans (-557 bps YoY).
  • Funding: loans stand at 57.59% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

-6.24%-977 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.53%3.07%0.61%2.14%-6.24%-977 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/a-8.56%-10.27%-39.48%n/a
Loan Growth (YoY)n/an/a-3.23%-20.69%-52.12%n/a
Share Growth (YoY)n/an/a-6.19%-9.01%-35.32%n/a
Asset Quality
Delinquent Loans / Loans6.85%6.04%4.73%5.22%1.29%-557 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.23%6.10%4.34%6.56%4.18%-105 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares77.80%88.48%90.07%69.41%57.59%-2,021 bps
Liquid Assets / Assets23.50%14.67%11.17%24.03%33.61%+1,011 bps