Dothan, AL · Charter 23792
Q4 1999
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.69% | 4.79% | 5.57% | 5.35% | 5.46% | 4.34% | 4.04% | 0.27% | -507 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 | 3.29% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 78.74% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 34.79% | 31.72% | 18.94% | 12.06% | 23.33% | 28.55% | 30.40% | 18.57% | +652 bps | |
| Loan Growth (YoY) | 46.90% | 38.54% | 15.15% | 5.57% | -10.17% | -4.90% | 7.81% | 14.31% | +874 bps | |
| Share Growth (YoY) | 36.88% | 33.24% | 24.09% | 18.37% | 23.01% | 31.18% | 33.36% | 18.78% | +41 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 2.36% | 0.91% | 1.58% | 1.63% | 1.24% | 1.39% | 1.60% | +2 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 | 0.91% | 0.86% | 0.81% | 0.71% | 0.72% | 0.60% | 0.66% | 0.90% | +19 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 | 97.41% | 98.41% | 92.66% | 88.48% | 71.13% | 71.34% | 74.90% | 85.15% | -333 bps | |
| Liquid Assets / Assets | 0.54% | 1.68% | 7.73% | 9.23% | 23.33% | 17.87% | 14.60% | 8.62% | -62 bps | |