PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Enterprise Community

Las Vegas, NV · Charter 24588

Q4 2000

$2.1MAssets
$1.2MLoans
$1.8MShares
$54KNet Worth

Executive Summary

  • Earnings: ROA of -0.67%, down 474 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 20.12% of loans (+1,734 bps YoY).
  • Capital: net worth / assets of 2.55%.
  • Funding: loans stand at 65.14% of shares as of Q4 2000.

Return on Assets (quarter, annualized)

-0.67%-474 bps YoY

Net Interest Margin (quarter, annualized)

3.15%

Efficiency Ratio (quarter, annualized)

100.46%

Net Worth / Assets

2.55%
n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets-0.26%1.95%4.46%4.07%2.40%3.08%1.54%-0.67%-474 bps
Return on Equityn/an/an/an/an/an/an/a-26.34%n/an/a
Net Interest Marginn/an/an/an/an/a4.66%4.24%3.15%n/a
Efficiency Ration/an/an/an/an/a59.96%63.67%100.46%n/a
Growth
Asset Growth (YoY)n/an/an/an/a20.83%7.08%30.22%6.02%n/a
Loan Growth (YoY)n/an/an/an/a1358%503%291%55.48%n/a
Share Growth (YoY)n/an/an/an/a-1.76%-11.46%13.63%4.92%n/a
Asset Quality
Delinquent Loans / Loans0.00%0.57%0.00%2.78%9.15%25.94%25.31%20.12%+1,734 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.71%1.00%0.94%0.83%1.01%0.78%1.28%+35 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a2.55%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a2.55%n/an/a
Liquidity & Funding
Loans / Shares3.38%7.85%17.11%43.96%50.12%53.41%58.84%65.14%+2,119 bps
Liquid Assets / Assets92.68%90.54%79.64%53.92%0.00%54.91%46.42%41.14%-1,278 bps