PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Haveg Employees

Wilmington, DE · Charter 12597

Q2 2000

$143KAssets
$98KLoans
$98KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 2.56%, up 448 bps year over year; NIM at 6.57%.
  • Asset quality: problem loans at 11.44% of loans (+539 bps YoY).
  • Funding: loans stand at 100.53% of shares as of Q2 2000.

Return on Assets (quarter, annualized)

2.56%+448 bps YoY

Net Interest Margin (quarter, annualized)

6.57%

Efficiency Ratio (quarter, annualized)

56.75%

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets1.03%3.62%4.91%-1.92%-0.21%1.90%-1.54%2.56%+448 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a5.62%6.57%n/a
Efficiency Ration/an/an/an/an/an/a82.17%56.75%n/a
Growth
Asset Growth (YoY)-12.06%-15.21%-29.40%-11.39%11.06%-18.49%30.02%-23.30%-1,191 bps
Loan Growth (YoY)-7.90%-24.65%-35.65%-26.05%-31.92%-25.67%-15.54%-22.40%+364 bps
Share Growth (YoY)-17.54%-20.73%-37.46%-11.00%16.16%-23.13%47.43%-31.38%-2,038 bps
Asset Quality
Delinquent Loans / Loans2.08%2.50%4.23%6.05%0.00%6.65%0.00%11.44%+539 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.64%2.27%2.81%6.54%2.55%3.77%2.55%7.73%+119 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares130.99%111.63%133.99%88.90%76.77%107.94%76.77%100.53%+1,163 bps
Liquid Assets / Assets1.08%3.66%4.38%0.64%12.41%11.47%12.41%11.43%+1,079 bps