PackageTrendsPeer
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Barnett Bk Alachua Cnty NA

Gainesville, FL · Cert 22293

FDIC

Q1 1996

$501.1MAssets
$403.6MLoans
$450.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.48%, down 5 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 89.63% of deposits as of Q1 1996.

Return on Assets (YTD, annualized)

1.48%-5 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 Assets1.31%1.34%1.37%1.53%1.68%1.73%1.73%1.48%-5 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/a0.11%0.91%0.44%3.10%4.27%+416 bps
Loan Growth (YoY)n/an/an/a7.42%6.94%1.92%1.64%3.12%-431 bps
Deposit Growth (YoY)n/an/an/a0.37%0.63%0.97%1.19%3.08%+271 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 / Deposits86.76%90.12%89.67%89.59%92.20%90.97%90.07%89.63%+3 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