Sun City West, AZ · Charter 22640
Q4 1998
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.73% | 3.54% | 3.27% | 2.82% | 4.35% | 4.26% | 4.21% | 3.94% | +111 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | 8.66% | 11.39% | 12.47% | 17.46% | 12.56% | 18.84% | +745 bps | |
| Loan Growth (YoY) | n/a | n/a | 15.63% | 20.06% | 13.01% | 8.35% | 3.59% | -5.10% | -2,516 bps | |
| Share Growth (YoY) | n/a | n/a | 9.96% | 12.89% | 12.24% | 17.73% | 12.27% | 18.00% | +511 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 1.54% | 1.05% | 1.38% | 1.32% | 1.37% | 1.34% | 0.94% | -44 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 | 1.22% | 1.08% | 0.93% | 0.89% | 0.97% | 0.84% | 0.95% | 0.92% | +3 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 | 91.67% | 95.05% | 93.96% | 96.51% | 92.30% | 87.48% | 86.70% | 77.62% | -1,889 bps | |
| Liquid Assets / Assets | 4.71% | 2.47% | 4.62% | 2.63% | 7.21% | 11.56% | 13.00% | 18.99% | +1,636 bps | |