PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Capital Bank

Miami, FL · Cert 21615

FDIC

Q2 1998

$2.2BAssets
$1.6BLoans
$1.2BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.34%, up 2 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 131.93% of deposits as of Q2 1998.

Return on Assets (YTD, annualized)

1.34%+2 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.

MetricQ3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998YoY ΔTrend
Earnings
Return on Assets1.29%1.29%1.24%1.32%1.29%0.50%1.37%1.34%+2 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)25.30%20.49%13.03%16.99%17.32%22.23%24.92%13.04%-395 bps
Loan Growth (YoY)37.49%39.99%42.48%34.70%20.04%24.96%18.25%23.86%-1,084 bps
Deposit Growth (YoY)8.12%5.68%8.03%15.69%12.75%17.53%18.74%3.39%-1,230 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 / Deposits117.38%115.82%124.36%110.12%124.98%123.14%123.85%131.93%+2,180 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