PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Crestar Bank

Richmond, VA · Cert 832

FDIC

Q3 1996

$14.2BAssets
$9.3BLoans
$9.9BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.11%, down 22 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 93.68% of deposits as of Q3 1996.

Return on Assets (YTD, annualized)

1.11%-22 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996YoY ΔTrend
Earnings
Return on Assets1.29%1.30%1.32%1.33%1.31%1.31%1.30%1.11%-22 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
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/a1.40%4.44%4.97%16.02%10.27%13.46%10.81%+584 bps
Loan Growth (YoY)n/a14.83%16.55%15.31%9.39%4.64%5.51%4.24%-1,107 bps
Deposit Growth (YoY)n/a-3.13%-1.65%-0.70%6.79%1.67%-0.73%12.01%+1,271 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits93.53%97.32%98.77%100.66%95.81%100.17%104.97%93.68%-698 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a