PackageTrendsPeer
Letter portraitLegal landscape

St. Albans VA

St. Albans, NY · Charter 21876

Q4 1998

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 1998, the quarter ended December 31, 1998, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

St. Albans VA

St. Albans, NY · Charter 21876

Q4 1998

$338KAssets
$213KLoans
$293KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -3.41%, down 238 bps year over year.
  • Asset quality: problem loans at 4.28% of loans (-299 bps YoY).
  • Funding: loans stand at 72.66% of shares as of Q4 1998.

Return on Assets (YTD, annualized)

-3.41%-238 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets0.73%0.42%0.64%-1.04%-2.60%-2.84%-2.77%-3.41%-238 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/a-4.53%1.95%-9.61%-15.08%-28.45%-44.07%-4,602 bps
Loan Growth (YoY)n/an/a-18.47%-14.92%-18.76%-9.99%-13.14%-23.23%-832 bps
Share Growth (YoY)n/an/a-5.97%1.90%-8.36%-13.36%-27.25%-44.30%-4,620 bps
Asset Quality
Delinquent Loans / Loans7.23%8.73%9.78%7.26%6.03%4.55%5.43%4.28%-299 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans4.03%6.33%7.68%4.96%5.80%4.71%5.15%4.93%-3 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares58.43%56.13%47.44%52.72%51.80%58.31%56.64%72.66%+1,994 bps
Liquid Assets / Assets13.63%21.15%10.63%12.05%13.07%30.70%20.38%14.03%+199 bps