Boca Raton, FL · Charter 13277
Q4 2000
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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.65% | 3.39% | 1.90% | 1.69% | 0.87% | 0.75% | 0.00% | 0.00% | -169 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.00% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 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) | -21.46% | -22.82% | -44.34% | -40.97% | -34.42% | -31.06% | -99.20% | -99.37% | -5,841 bps | |
| Loan Growth (YoY) | -28.52% | -24.76% | -32.73% | -63.21% | -76.59% | -92.74% | -100.00% | -100.00% | -3,679 bps | |
| Share Growth (YoY) | -27.30% | -29.15% | -53.77% | -50.59% | -43.40% | -39.57% | -100.00% | -100.00% | -4,941 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.92% | 13.74% | 16.28% | 13.13% | 3.89% | 9.31% | n/a | n/a | n/a | |
| 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 | 6.44% | 6.63% | 16.67% | 26.55% | 1.82% | 6.93% | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 100.00% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 100.00% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.03% | 29.72% | 35.93% | 22.92% | 13.66% | 3.57% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 70.07% | 65.17% | 42.17% | 73.23% | 78.91% | 79.29% | 0.00% | 0.00% | -7,323 bps | |