PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Barnett Bank of Polk County

Lakeland, FL · Cert 17341

FDIC

Q1 1996

$1.1BAssets
$777.4MLoans
$914.4MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.37%, up 30 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 85.01% of deposits as of Q1 1996.

Return on Assets (YTD, annualized)

1.37%+30 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996YoY ΔTrend
Earnings
Return on Assets1.59%1.63%1.57%1.08%1.04%1.12%1.27%1.37%+30 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/a-5.42%-1.54%-2.79%-0.70%17.95%+2,337 bps
Loan Growth (YoY)n/an/an/a-7.74%-10.78%-7.20%7.19%15.28%+2,302 bps
Deposit Growth (YoY)n/an/an/a-3.47%-1.59%-2.43%-0.56%12.80%+1,627 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits92.03%93.51%81.29%83.18%83.44%88.94%87.63%85.01%+183 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a