PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Beach Bank of Vero Beach

Vero Beach, FL · Cert 19606

FDIC

Q4 1995

$199.1MAssets
$95.3MLoans
$176.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.13%, down 28 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 53.91% of deposits as of Q4 1995.

Return on Assets (YTD, annualized)

1.13%-28 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.

MetricQ1 1994Q2 1994Q3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets1.20%1.31%1.39%1.42%-0.84%0.76%1.05%1.13%-28 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/an/a-6.85%-6.18%-3.86%0.26%n/a
Loan Growth (YoY)n/an/an/an/a-5.11%-3.81%-9.31%-9.74%n/a
Deposit Growth (YoY)n/an/an/an/a-8.63%-6.28%-2.91%2.14%n/a
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 / Deposits55.66%56.75%62.50%61.01%57.80%58.24%58.38%53.91%-709 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