Tampa, FL · Charter 11240
Q3 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 | Q4 1996 | Q1 1997 | Q2 1997 | Q3 1997 | Q4 1997 | Q1 1998 | Q2 1998 | Q3 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.81% | 3.67% | 3.83% | 3.88% | 3.59% | 2.89% | 3.60% | 3.83% | -5 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) | 13.13% | 10.06% | 11.72% | 5.89% | 11.72% | 13.97% | 11.96% | 13.31% | +742 bps | |
| Loan Growth (YoY) | 12.50% | 10.00% | 5.86% | 0.93% | 2.53% | 2.62% | 6.90% | 9.19% | +826 bps | |
| Share Growth (YoY) | 12.88% | 10.06% | 11.64% | 5.32% | 12.19% | 14.31% | 12.45% | 13.46% | +814 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.49% | 0.91% | 0.87% | 1.06% | 0.82% | 1.09% | 1.74% | +88 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 | 0.61% | 0.61% | 0.61% | 0.69% | 0.74% | 0.82% | 0.79% | 0.77% | +8 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 | 84.94% | 82.22% | 80.03% | 81.38% | 77.63% | 73.82% | 76.08% | 78.32% | -306 bps | |
| Liquid Assets / Assets | 4.94% | 6.67% | 7.65% | 7.67% | 11.20% | 13.67% | 10.15% | 9.94% | +227 bps | |