Bolivar, TN · Charter 68174
Q4 1997
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 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 3.83% | 7.02% | 6.95% | 6.41% | 7.82% | 6.64% | 6.01% | -94 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | 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 | -9.84% | -9.59% | -31.92% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -6.16% | -34.27% | -51.89% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -17.54% | -17.91% | -42.29% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 1.43% | 1.83% | 1.96% | 2.46% | 3.47% | 24.54% | 8.49% | +654 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.64% | 8.54% | 8.10% | 8.93% | 8.33% | 11.48% | 17.55% | +945 bps | |
| Capital | |||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||||
| Loans / Shares | 105.93% | 107.66% | 117.00% | 93.68% | 120.55% | 86.21% | 97.54% | -1,946 bps | |
| Liquid Assets / Assets | 12.03% | 16.21% | 7.10% | 26.47% | 12.27% | 39.25% | 34.64% | +2,755 bps | |