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Riverview Baptist

Richmond, VA · Charter 22339

Q2 1996

$11KAssets
$0KLoans
$9KShares
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 1.32%, up 79 bps year over year.
  • Asset quality: problem loans at 100.00% of loans (+5,661 bps YoY).
  • Funding: loans stand at 3.58% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

1.32%+79 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets0.53%1.88%0.53%-2.85%1.32%+79 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/a-22.14%n/an/a
Loan Growth (YoY)n/an/an/an/a-92.27%n/an/a
Share Growth (YoY)n/an/an/an/a-27.39%n/an/a
Asset Quality
Delinquent Loans / Loans43.39%52.16%36.21%100.00%100.00%+5,661 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans9.08%15.07%14.72%38.95%117.48%+10,840 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 / Shares33.61%21.91%22.08%10.57%3.58%-3,003 bps
Liquid Assets / Assets56.57%60.84%61.24%77.26%74.73%+1,816 bps