Miami Lakes, FL · Charter 23278
Q2 1997
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 4.38% | 4.29% | 4.68% | 4.04% | 4.14% | 3.97% | 4.38% | -30 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | 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 | n/a | n/a | 21.86% | 25.94% | 26.30% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 25.80% | 30.36% | 25.26% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 20.18% | 25.66% | 26.16% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 0.52% | 0.55% | 0.96% | 1.15% | 1.30% | 1.39% | 1.77% | +81 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.71% | 1.56% | 1.33% | 1.25% | 1.07% | 0.99% | 1.11% | -22 bps | |
| Capital | |||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||||
| Loans / Shares | 82.62% | 85.38% | 87.91% | 85.42% | 86.48% | 88.57% | 87.28% | -63 bps | |
| Liquid Assets / Assets | 12.97% | 12.71% | 8.32% | 10.04% | 8.37% | 11.88% | 12.98% | +466 bps | |