Chattanooga, TN · Charter 67949
Q4 1997
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.83% | 4.73% | 5.23% | 5.62% | 5.55% | 5.73% | 5.59% | 4.60% | -102 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 | -16.54% | -11.44% | -13.94% | -8.59% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -18.23% | -28.70% | -12.61% | -7.81% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -3.20% | -4.35% | -18.31% | -11.54% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 1.64% | 1.01% | 2.72% | 3.43% | 6.07% | 13.16% | 9.03% | +631 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 | 0.53% | 0.57% | 1.01% | 1.38% | 1.04% | 1.02% | 1.12% | 2.74% | +135 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 | 118.45% | 113.25% | 90.39% | 96.27% | 100.07% | 84.42% | 96.69% | 100.33% | +406 bps | |
| Liquid Assets / Assets | 9.01% | 8.08% | 18.80% | 15.96% | 9.02% | 26.17% | 16.72% | 14.36% | -160 bps | |