Winston-Salem, NC · Charter 60756
Q4 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.46% | 4.49% | 4.59% | 5.01% | 4.65% | 4.52% | 4.20% | 4.09% | -91 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | 27.05% | 16.46% | 18.20% | 10.59% | 15.90% | 17.44% | +98 bps | |
| Loan Growth (YoY) | n/a | n/a | 28.59% | 27.88% | 17.61% | 10.17% | 7.31% | 10.16% | -1,772 bps | |
| Share Growth (YoY) | n/a | n/a | 26.79% | 15.14% | 17.21% | 8.81% | 15.26% | 18.20% | +306 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.61% | 1.11% | 0.70% | 0.74% | 0.89% | 0.68% | 0.39% | -31 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 | 0.53% | 0.51% | 0.60% | 0.53% | 0.59% | 0.49% | 0.53% | 0.32% | -21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.27% | 89.80% | 88.75% | 102.07% | 94.58% | 90.93% | 82.63% | 95.13% | -695 bps | |
| Liquid Assets / Assets | 12.14% | 17.92% | 18.63% | 8.01% | 15.88% | 17.93% | 25.34% | 13.76% | +576 bps | |