Lincolnton, NC · Charter 62609
Q4 1997
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.07% | 3.57% | 2.95% | 3.65% | 2.65% | 2.63% | 1.78% | 1.60% | -205 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 | n/a | n/a | -7.51% | -19.82% | -34.44% | -37.47% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -6.93% | -24.19% | -31.64% | -45.04% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -10.13% | -23.56% | -36.06% | -39.39% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.54% | 1.44% | 4.52% | 7.40% | 6.20% | 8.58% | 3.18% | 7.13% | -27 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 | 3.17% | 3.17% | 3.33% | 2.98% | 0.52% | 0.10% | 2.54% | 3.88% | +90 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 | 68.10% | 75.45% | 63.30% | 79.42% | 70.52% | 74.83% | 67.68% | 72.02% | -741 bps | |
| Liquid Assets / Assets | 42.36% | 30.26% | 39.26% | 27.14% | 33.57% | 30.76% | 36.94% | 36.65% | +951 bps | |