Vancleave, MS · Charter 23942
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.59% | 5.33% | 4.68% | 4.49% | 4.84% | 1.54% | 0.81% | 0.57% | -391 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 2.29% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 3.84% | 3.61% | 2.37% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 60.74% | 60.57% | 58.83% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.56% | 4.63% | 18.74% | 11.67% | 5.99% | -1.09% | -0.65% | -1.75% | -1,342 bps | |
| Loan Growth (YoY) | -6.88% | 8.97% | 27.21% | 9.93% | -3.53% | -16.68% | -40.18% | -29.55% | -3,948 bps | |
| Share Growth (YoY) | -3.97% | -0.76% | 16.68% | 8.81% | 2.78% | -5.23% | -4.01% | -4.26% | -1,307 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.28% | 0.96% | 1.59% | 1.66% | 3.57% | 4.32% | 5.23% | 4.09% | +243 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 | 2.00% | 1.12% | 0.23% | 1.86% | 1.47% | 2.10% | 1.19% | 1.32% | -54 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 25.04% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 25.04% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.45% | 79.42% | 80.53% | 76.09% | 63.32% | 69.82% | 50.19% | 55.99% | -2,010 bps | |
| Liquid Assets / Assets | 24.62% | 24.43% | 23.77% | 24.68% | 25.97% | 27.20% | 26.40% | 57.66% | +3,297 bps | |