Montgomery, AL · Charter 65167
Q2 1999
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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.78% | 4.88% | 5.44% | 4.59% | 4.68% | 4.98% | 5.08% | 4.82% | +23 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 | 9.08% | 2.27% | 11.30% | 15.19% | 22.63% | 32.41% | 26.10% | +1,481 bps | |
| Loan Growth (YoY) | n/a | 9.00% | 7.70% | 4.44% | 12.41% | 28.07% | 26.81% | 16.45% | +1,201 bps | |
| Share Growth (YoY) | n/a | 1.38% | -2.85% | 8.05% | 2.79% | 17.41% | 19.98% | 11.99% | +394 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 1.19% | 1.26% | 0.94% | 1.36% | 1.49% | 2.49% | 0.57% | -37 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 | 3.91% | 0.88% | 3.62% | 3.65% | 2.85% | 2.66% | 2.88% | 2.66% | -99 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 | 111.31% | 109.64% | 112.52% | 103.60% | 121.74% | 119.59% | 118.93% | 107.73% | +412 bps | |
| Liquid Assets / Assets | 5.03% | 4.30% | 1.32% | 5.57% | 1.36% | 0.00% | 0.00% | 13.11% | +754 bps | |