Mobile, AL · Charter 64636
Q2 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.21% | 4.70% | 4.70% | 4.06% | 3.96% | 4.01% | 3.98% | 4.31% | +24 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) | n/a | n/a | n/a | -9.91% | -8.74% | -0.43% | 4.47% | 1.21% | +1,112 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 19.95% | 15.35% | 0.75% | -6.60% | -8.99% | -2,894 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -13.77% | -11.86% | -0.92% | 4.87% | 2.41% | +1,618 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.67% | 2.99% | 2.29% | 2.23% | 1.69% | 5.24% | 8.18% | 8.95% | +672 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 | 3.52% | 3.29% | 3.20% | 1.69% | 1.57% | 2.89% | 3.07% | 2.48% | +79 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 | 74.63% | 87.49% | 91.66% | 94.66% | 97.67% | 88.96% | 81.64% | 84.13% | -1,053 bps | |
| Liquid Assets / Assets | 35.56% | 24.35% | 23.34% | 18.82% | 16.71% | 23.82% | 30.31% | 26.81% | +799 bps | |