Tampa, FL · Charter 401
Q2 1997
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 1995 | Q4 1995 | Q1 1996 | Q2 1996 | Q3 1996 | Q4 1996 | Q1 1997 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.64% | 4.60% | 4.84% | 4.72% | n/a | 4.73% | 3.99% | 4.07% | -65 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 | 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 | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.31% | 6.13% | 5.49% | 6.04% | 6.39% | 4.02% | 5.13% | 4.04% | -201 bps | |
| Loan Growth (YoY) | 5.35% | 5.98% | 4.74% | 0.45% | 0.68% | 0.96% | 1.24% | 1.19% | +74 bps | |
| Share Growth (YoY) | 5.77% | 5.75% | 6.13% | 7.00% | 6.87% | 4.17% | 4.54% | 3.20% | -380 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.81% | 0.55% | 0.79% | 0.69% | 0.92% | 1.10% | 1.03% | +24 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 | 1.33% | 1.29% | 1.18% | 1.10% | 1.01% | 0.92% | 1.11% | 1.25% | +15 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 | 56.68% | 56.38% | 54.65% | 53.36% | 53.40% | 54.64% | 52.93% | 52.32% | -104 bps | |
| Liquid Assets / Assets | 28.70% | 30.56% | 23.06% | 20.46% | 16.84% | 13.79% | 17.23% | 21.48% | +102 bps | |