PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Horizon

Greensboro, NC · Charter 66315

Q2 1996

$6.6MAssets
$4.4MLoans
$6.0MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.59%, down 19 bps year over year.
  • Asset quality: problem loans at 4.33% of loans (+193 bps YoY).
  • Funding: loans stand at 74.53% of shares as of Q2 1996.

Return on Assets (quarter, annualized)

3.59%-19 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.78%3.76%3.81%3.84%3.59%-19 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-23.44%n/an/a
Loan Growth (YoY)n/an/an/an/a-12.36%n/an/a
Share Growth (YoY)n/an/an/an/a-25.13%n/an/a
Asset Quality
Delinquent Loans / Loans2.40%2.05%2.23%2.06%4.33%+193 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.15%1.53%1.82%1.55%1.79%+63 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares63.67%66.41%79.16%78.55%74.53%+1,086 bps
Liquid Assets / Assets24.67%20.64%15.73%16.38%27.48%+280 bps