Sinclair, WY · Charter 1708
Q4 1999
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.81% | 4.32% | 4.86% | 4.16% | 3.46% | 4.34% | 3.75% | -41.46% | -4,562 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 | 3.72% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 80.96% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 30.58% | 27.23% | 41.71% | 60.14% | 43.87% | 35.51% | 78.79% | 28.47% | -3,167 bps | |
| Loan Growth (YoY) | 16.01% | 5.46% | 3.08% | 43.98% | 30.35% | 39.13% | 143.33% | 6.45% | -3,753 bps | |
| Share Growth (YoY) | 31.67% | 32.53% | 48.33% | 58.02% | 41.18% | 34.15% | 47.99% | 51.41% | -661 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 0.77% | 1.98% | 1.02% | 2.77% | 2.69% | 2.50% | 4.20% | +318 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 | 1.51% | 1.53% | 1.76% | 1.27% | 1.75% | 2.31% | 1.46% | 2.80% | +153 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 | 87.54% | 84.44% | 73.33% | 87.81% | 80.82% | 87.58% | 120.57% | 61.73% | -2,608 bps | |
| Liquid Assets / Assets | 9.69% | 12.12% | 20.89% | 11.73% | 19.96% | 13.81% | 4.31% | 23.73% | +1,200 bps | |