Asheville, NC · Charter 63699
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Asheville, NC · Charter 63699
Q2 1999
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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.50% | 3.51% | 4.73% | 5.63% | 5.65% | 3.18% | 2.35% | 1.59% | -404 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 | -3.77% | -12.54% | -16.75% | -16.17% | -26.43% | -24.26% | -20.50% | -375 bps | |
| Loan Growth (YoY) | n/a | 16.09% | -8.97% | -13.84% | -16.72% | -34.15% | -27.85% | -30.56% | -1,673 bps | |
| Share Growth (YoY) | n/a | -7.63% | -15.43% | -18.72% | -22.23% | -31.24% | -29.96% | -24.34% | -563 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 2.40% | 4.13% | 0.67% | 5.53% | 4.09% | 15.20% | 20.32% | +1,965 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 | 1.34% | 1.28% | 1.57% | 1.38% | 1.43% | 0.33% | 3.49% | 3.54% | +216 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 | 116.32% | 112.34% | 103.61% | 121.25% | 124.57% | 107.59% | 106.73% | 111.28% | -997 bps | |
| Liquid Assets / Assets | 0.26% | 0.08% | 3.36% | 0.00% | 1.13% | 0.00% | 1.44% | 6.89% | +689 bps | |