Marble, NC · Charter 63640
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 | 3.79% | 4.31% | 6.14% | 5.59% | 4.18% | 4.57% | 3.85% | 4.93% | -65 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 | -7.86% | 1.63% | 6.50% | 2.75% | 4.72% | -7.92% | -955 bps | |
| Loan Growth (YoY) | n/a | n/a | 6.04% | 16.12% | 25.95% | -22.85% | -15.23% | -19.97% | -3,609 bps | |
| Share Growth (YoY) | n/a | n/a | -12.57% | 0.01% | 6.53% | 13.52% | 6.57% | -10.91% | -1,092 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.99% | 0.02% | 0.25% | 1.96% | 0.29% | 0.34% | 0.36% | 1.58% | -38 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 | 0.69% | 0.95% | 1.26% | 1.19% | 1.09% | 1.28% | 1.13% | 0.83% | -36 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 | 54.03% | 75.32% | 60.01% | 66.48% | 63.88% | 51.19% | 47.74% | 59.72% | -676 bps | |
| Liquid Assets / Assets | 52.74% | 40.72% | 50.12% | 39.96% | 48.18% | 58.15% | 54.01% | 51.17% | +1,121 bps | |