PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fairwinds

Orlando, FL · Charter 5988

Q3 1999

$588.1MAssets
$302.8MLoans
$524.3MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 1.41%, down 338 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.40% of loans (-3 bps YoY).
  • Funding: loans stand at 57.75% of shares as of Q3 1999.

Return on Assets (quarter, annualized)

1.41%-338 bps YoY

Net Interest Margin (quarter, annualized)

3.03%
n/a

Efficiency Ratio (quarter, annualized)

63.72%
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999YoY ΔTrend
Earnings
Return on Assets4.62%4.58%4.72%4.79%4.55%4.96%4.68%1.41%-338 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a3.03%n/an/a
Efficiency Ration/an/an/an/an/an/an/a63.72%n/an/a
Growth
Asset Growth (YoY)8.98%8.34%7.28%8.43%13.43%14.36%16.27%14.92%+649 bps
Loan Growth (YoY)17.56%14.98%16.64%15.38%16.51%20.17%19.16%17.85%+248 bps
Share Growth (YoY)8.61%8.61%6.69%8.34%13.51%14.40%16.60%15.16%+682 bps
Asset Quality
Delinquent Loans / Loans0.62%0.53%0.45%0.43%0.47%0.36%0.35%0.40%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.94%0.98%0.98%0.88%0.84%0.69%0.79%0.79%-9 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares53.72%52.94%55.38%56.43%55.15%55.61%56.59%57.75%+132 bps
Liquid Assets / Assets24.13%23.13%20.95%22.52%21.49%19.72%18.01%18.97%-355 bps