PackageTrendsPeer
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Volunteer B&T Hamilton Cnty

Chattanooga, TN · Cert 24824

FDIC

Q4 1998

$74.8MAssets
$51.1MLoans
$67.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.23%, down 36 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 75.97% of deposits as of Q4 1998.

Return on Assets (YTD, annualized)

1.23%-36 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets1.64%1.67%1.66%1.60%1.52%1.30%1.26%1.23%-36 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
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)19.26%25.56%12.01%16.59%11.17%7.42%13.12%10.63%-596 bps
Loan Growth (YoY)19.63%25.60%21.66%10.59%17.40%8.05%8.43%18.71%+812 bps
Deposit Growth (YoY)20.49%27.31%12.03%17.79%11.25%6.63%13.86%10.62%-717 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits72.37%75.34%75.78%70.79%76.37%76.34%72.17%75.97%+518 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a