PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Joe Wheeler

Decatur, AL · Charter 64399

Q4 1996

$448KAssets
$281KLoans
$408KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.77%, up 35 bps year over year.
  • Asset quality: problem loans at 1.52% of loans (-96 bps YoY).
  • Funding: loans stand at 68.86% of shares as of Q4 1996.

Return on Assets (YTD, annualized)

3.77%+35 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.07%3.42%3.78%4.09%4.42%3.77%+35 bps
Return on Equityn/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-6.58%-0.55%n/a
Loan Growth (YoY)n/an/an/an/a47.00%-13.21%n/a
Share Growth (YoY)n/an/an/an/a-10.32%14.90%n/a
Asset Quality
Delinquent Loans / Loans0.00%2.49%2.86%1.24%2.94%1.52%-96 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/a
Allowance / Loans0.66%0.43%0.50%0.41%0.45%1.07%+64 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares53.54%91.16%88.10%113.52%87.75%68.86%-2,230 bps
Liquid Assets / Assets47.16%25.49%20.98%11.81%10.44%8.49%-1,700 bps