PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

City of Charleston Employees

Charleston, WV · Charter 21016

Q2 1996

$694KAssets
$507KLoans
$589KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 5.33%, down 8 bps year over year.
  • Asset quality: problem loans at 4.94% of loans (+114 bps YoY).
  • Funding: loans stand at 86.19% of shares as of Q2 1996.

Return on Assets (quarter, annualized)

5.33%-8 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets5.41%5.16%5.79%3.05%5.33%-8 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/an/an/a33.81%n/an/a
Loan Growth (YoY)n/an/an/an/a32.50%n/an/a
Share Growth (YoY)n/an/an/an/a34.52%n/an/a
Asset Quality
Delinquent Loans / Loans3.80%2.87%3.30%4.28%4.94%+114 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.26%1.91%2.10%2.24%0.73%-354 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 / Shares87.51%122.88%95.88%97.77%86.19%-132 bps
Liquid Assets / Assets25.05%0.94%11.69%4.76%14.86%-1,019 bps