PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hampton University Employees

Hampton, VA · Charter 3408

Q2 1997

$683KAssets
$464KLoans
$570KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.93%, down 239 bps year over year.
  • Asset quality: problem loans at 2.43% of loans (+85 bps YoY).
  • Funding: loans stand at 81.43% of shares as of Q2 1997.

Return on Assets (YTD, annualized)

0.93%-239 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 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets0.29%1.19%3.32%0.73%1.49%0.00%0.93%-239 bps
Return on Equityn/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-13.64%-15.50%-13.95%n/a
Loan Growth (YoY)n/an/an/an/a-5.45%-7.06%-9.00%n/a
Share Growth (YoY)n/an/an/an/a-15.75%-16.23%-14.15%n/a
Asset Quality
Delinquent Loans / Loans0.90%1.08%1.57%3.87%4.35%3.09%2.43%+85 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/a
Allowance / Loans1.78%1.86%2.45%2.58%1.78%3.95%3.53%+109 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares74.14%70.61%76.82%88.38%83.21%78.34%81.43%+461 bps
Liquid Assets / Assets30.25%26.10%28.84%18.64%18.46%20.82%22.56%-628 bps