Opa Locka, FL · Charter 10583
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.85% | 0.64% | -1.28% | 2.41% | 1.63% | -0.73% | -3.96% | -1.83% | -424 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 | 6.49% | 7.86% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 95.11% | 95.01% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.73% | -8.36% | -17.07% | -13.27% | -11.07% | -11.79% | 18.48% | 1.54% | +1,482 bps | |
| Loan Growth (YoY) | 36.71% | 8.35% | -12.50% | -24.25% | -24.32% | -17.03% | 4.37% | 13.22% | +3,747 bps | |
| Share Growth (YoY) | -11.18% | -9.43% | -13.95% | -12.39% | -10.10% | -10.58% | 23.38% | 7.07% | +1,946 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 18.71% | 5.11% | 3.67% | 2.41% | 0.80% | 2.59% | 4.82% | 3.64% | +123 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 | 3.17% | 2.93% | 3.61% | 2.78% | 2.78% | 3.63% | 5.05% | 5.37% | +259 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 | 106.68% | 95.77% | 93.84% | 82.00% | 89.81% | 88.86% | 79.38% | 86.70% | +470 bps | |
| Liquid Assets / Assets | 7.23% | 13.39% | 13.63% | 22.61% | 16.83% | 20.26% | 22.00% | 13.46% | -914 bps | |