PackageTrendsPeer
Letter portraitLegal landscape

Citizen-Times

Asheville, NC · Charter 63699

Q2 1999

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Citizen-Times

Asheville, NC · Charter 63699

Q2 1999

$223KAssets
$196KLoans
$176KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 1.59%, down 404 bps year over year.
  • Asset quality: problem loans at 20.32% of loans (+1,965 bps YoY).
  • Funding: loans stand at 111.28% of shares as of Q2 1999.

Return on Assets (YTD, annualized)

1.59%-404 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.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets3.50%3.51%4.73%5.63%5.65%3.18%2.35%1.59%-404 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/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/a16.09%-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 / Loans0.00%2.40%4.13%0.67%5.53%4.09%15.20%20.32%+1,965 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.34%1.28%1.57%1.38%1.43%0.33%3.49%3.54%+216 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares116.32%112.34%103.61%121.25%124.57%107.59%106.73%111.28%-997 bps
Liquid Assets / Assets0.26%0.08%3.36%0.00%1.13%0.00%1.44%6.89%+689 bps