Gainesville, FL · Charter 67301
Q1 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q3 1997 | Q4 1997 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | Q1 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.42% | 6.37% | 5.96% | 6.41% | 5.89% | 5.92% | 5.81% | 5.97% | -44 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) | 10.58% | 11.81% | 16.01% | 13.10% | 9.00% | 8.11% | 3.78% | -0.60% | -1,370 bps | |
| Loan Growth (YoY) | 16.93% | 2.21% | -9.93% | -13.62% | -14.38% | -10.66% | -7.55% | -8.64% | +497 bps | |
| Share Growth (YoY) | 12.09% | 14.28% | 16.56% | 12.93% | 8.25% | 4.14% | 2.32% | -5.52% | -1,845 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.16% | 1.77% | 2.42% | 2.65% | 2.40% | 2.19% | 2.49% | 1.90% | -75 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 | 1.87% | 1.78% | 1.55% | 1.35% | 1.57% | 0.95% | 1.15% | 0.53% | -83 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 | 85.24% | 77.02% | 71.11% | 67.15% | 67.42% | 66.08% | 64.25% | 64.93% | -222 bps | |
| Liquid Assets / Assets | 18.60% | 26.19% | 21.02% | 33.07% | 13.21% | 9.00% | 36.07% | 9.17% | -2,390 bps | |