Maitland, FL · Charter 13996
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 | 4.03% | 3.53% | 3.68% | 3.36% | 3.73% | 3.15% | 3.08% | 2.76% | -60 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 | -7.99% | -1.12% | 7.03% | -1.37% | -3.54% | -3.64% | -6.41% | -1,345 bps | |
| Loan Growth (YoY) | n/a | 12.00% | 8.39% | 5.22% | 6.21% | 7.19% | -0.16% | -9.70% | -1,492 bps | |
| Share Growth (YoY) | n/a | -10.78% | -2.87% | 5.86% | -3.05% | -5.35% | -5.46% | -7.58% | -1,344 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.18% | 0.00% | 0.10% | 0.34% | 0.52% | 0.52% | 0.37% | 0.59% | +25 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 | 0.86% | 0.71% | 0.57% | 0.50% | 0.50% | 0.46% | 0.45% | 0.49% | -1 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 | 79.58% | 77.69% | 80.27% | 79.86% | 87.19% | 87.98% | 84.77% | 78.03% | -183 bps | |
| Liquid Assets / Assets | 22.61% | 24.57% | 22.97% | 24.17% | 18.30% | 17.82% | 19.94% | 26.28% | +211 bps | |