Memphis, TN · Charter 11808
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.50% | 2.61% | 2.88% | 2.85% | 2.40% | 2.11% | 2.06% | 1.20% | -165 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 | -16.31% | -15.97% | -9.76% | -7.44% | -4.90% | -10.75% | -13.76% | -401 bps | |
| Loan Growth (YoY) | n/a | 3.06% | -15.29% | -26.84% | -16.68% | -22.52% | -31.68% | 4.83% | +3,167 bps | |
| Share Growth (YoY) | n/a | -17.76% | -13.79% | -13.97% | -10.45% | -7.25% | -13.89% | -16.96% | -299 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.57% | 0.39% | 0.37% | 0.42% | 0.43% | 0.44% | 0.48% | 0.40% | -2 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 | 52.80% | 57.35% | 61.16% | 47.23% | 49.13% | 47.91% | 48.52% | 59.63% | +1,240 bps | |
| Liquid Assets / Assets | 42.02% | 43.68% | 43.94% | 52.51% | 54.71% | 55.46% | 49.23% | 50.72% | -179 bps | |