Liberty, MO · Charter 64322
Q4 1996
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 5.28% | 4.71% | 3.50% | 3.76% | 0.00% | -3.05% | -776 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -4.46% | -12.49% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -24.33% | -43.73% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -4.49% | -7.47% | n/a | |
| Asset Quality | ||||||||
| Delinquent Loans / Loans | 1.20% | 4.55% | 8.83% | 13.75% | 17.60% | 7.01% | +246 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.52% | 1.99% | 3.40% | 3.63% | 7.04% | 8.62% | +662 bps | |
| Capital | ||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | ||||||||
| Loans / Shares | 75.00% | 75.13% | 82.92% | 67.76% | 59.42% | 45.69% | -2,944 bps | |
| Liquid Assets / Assets | 20.74% | 26.08% | 24.76% | 30.28% | 41.12% | 39.57% | +1,349 bps | |