Kingsport, TN · Charter 68170
Q4 1998
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 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.64% | 3.68% | 2.59% | 2.73% | 2.20% | 2.43% | -0.41% | 1.24% | -149 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 | -19.27% | -14.78% | -19.44% | -17.49% | -14.97% | +430 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | -11.95% | 1.33% | -9.94% | -18.80% | -19.12% | -717 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -23.65% | -18.42% | -23.13% | -19.79% | -16.91% | +674 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.65% | 2.89% | 3.19% | 1.24% | 4.98% | 8.81% | 2.09% | 1.89% | +65 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 | 1.94% | 2.18% | 2.38% | 1.12% | 0.98% | 2.52% | 3.02% | 1.90% | +78 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 | 47.50% | 47.06% | 46.34% | 49.89% | 59.00% | 55.13% | 46.91% | 48.56% | -133 bps | |
| Liquid Assets / Assets | 56.20% | 58.02% | 58.61% | 56.39% | 48.73% | 53.45% | 58.11% | 58.22% | +183 bps | |