PackageTrendsPeer
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Trade National Bank

Miami, FL · Cert 24572

FDIC

Q2 1996

$73.5MAssets
$28.9MLoans
$54.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.67%, up 4 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 53.52% of deposits as of Q2 1996.

Return on Assets (YTD, annualized)

1.67%+4 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.

MetricQ3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996YoY ΔTrend
Earnings
Return on Assets1.40%1.46%1.63%1.63%1.63%1.48%1.59%1.67%+4 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/a-12.47%-12.93%-12.30%-1.56%20.50%9.96%+2,289 bps
Loan Growth (YoY)n/an/a3.46%10.07%6.60%3.15%12.42%6.28%-379 bps
Deposit Growth (YoY)n/an/a-25.19%-30.78%-28.62%-33.37%-6.89%17.10%+4,788 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 / Deposits41.42%38.65%50.27%58.97%61.87%59.84%60.69%53.52%-545 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