PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Dynex Employees

Pewaukee, WI · Charter 66858

Q4 1999

$152KAssets
$58KLoans
$118KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -0.50%, down 218 bps year over year; NIM at 4.78%.
  • Asset quality: problem loans at 6.81% of loans (+681 bps YoY).
  • Funding: loans stand at 49.67% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

-0.50%-218 bps YoY

Net Interest Margin (YTD, annualized)

4.78%
n/a

Efficiency Ratio (YTD, annualized)

90.08%
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets1.60%2.32%1.61%1.67%1.87%2.09%1.78%-0.50%-218 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a4.78%n/an/a
Efficiency Ration/an/an/an/an/an/an/a90.08%n/an/a
Growth
Asset Growth (YoY)-20.64%-27.43%-5.87%-0.60%3.05%13.72%-5.07%-1.18%-58 bps
Loan Growth (YoY)57.90%-34.56%-40.04%-52.12%-50.23%-20.14%-22.69%-9.55%+4,257 bps
Share Growth (YoY)-25.75%-34.20%-8.16%-1.60%2.55%16.68%-7.05%-1.04%+56 bps
Asset Quality
Delinquent Loans / Loans7.78%2.44%0.00%0.00%0.00%3.05%4.96%6.81%+681 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans4.25%1.24%1.41%1.82%1.75%1.55%4.11%7.64%+582 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 / Shares102.36%85.38%63.08%54.34%49.68%58.43%52.46%49.67%-467 bps
Liquid Assets / Assets12.62%18.22%40.30%47.78%0.00%43.08%60.27%0.00%-4,778 bps