Chesapeake, VA · Charter 24285
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.04% | -1.10% | 1.43% | 3.10% | 0.74% | 1.13% | 1.62% | 2.07% | -102 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 15.39% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 3.99% | 3.32% | 4.66% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 50.78% | 55.15% | 59.44% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.24% | 1.75% | 7.97% | 35.69% | 43.37% | 52.89% | 49.47% | -8.84% | -4,454 bps | |
| Loan Growth (YoY) | 47.18% | 84.02% | 13.31% | -45.45% | -58.90% | -77.63% | -71.94% | -91.55% | -4,610 bps | |
| Share Growth (YoY) | 10.80% | -1.49% | 13.26% | 45.28% | 48.96% | 58.52% | 48.66% | -13.39% | -5,867 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 41.50% | 52.85% | 45.14% | 43.87% | 7.56% | 2.10% | 30.54% | 100.00% | +5,613 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 | 17.08% | 20.95% | 28.18% | 32.25% | 13.94% | 42.50% | 30.25% | 100.00% | +6,775 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 13.48% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 13.48% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.25% | 45.23% | 40.23% | 29.60% | 16.90% | 6.38% | 7.59% | 2.89% | -2,671 bps | |
| Liquid Assets / Assets | 20.92% | 24.07% | 54.71% | 46.23% | 42.56% | 0.00% | 0.00% | 98.74% | +5,250 bps | |