Jacksonville, FL · Charter 17070
Q1 1997
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 | Q2 1995 | Q3 1995 | Q4 1995 | Q1 1996 | Q2 1996 | Q3 1996 | Q4 1996 | Q1 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.92% | 4.95% | 5.07% | 4.29% | 4.52% | n/a | 4.64% | 3.99% | -30 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 | 26.37% | 9.50% | -1.28% | -8.30% | -11.69% | -8.75% | -4.78% | -350 bps | |
| Loan Growth (YoY) | n/a | 22.32% | -1.29% | -4.07% | 0.33% | 3.20% | 4.01% | 3.67% | +774 bps | |
| Share Growth (YoY) | n/a | 28.51% | 9.17% | -4.07% | -12.40% | -14.98% | -11.92% | -6.13% | -205 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.94% | 1.34% | 1.63% | 1.17% | 0.95% | 1.34% | 1.26% | 1.36% | +19 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 | 1.75% | 1.51% | 1.47% | 1.38% | 1.20% | 1.07% | 1.06% | 1.18% | -19 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 | 62.57% | 61.77% | 64.87% | 68.27% | 71.66% | 74.98% | 76.60% | 75.39% | +712 bps | |
| Liquid Assets / Assets | 27.60% | 26.23% | 24.30% | 27.78% | 22.82% | 21.23% | 22.26% | 20.98% | -680 bps | |