Waverly, FL · Charter 67304
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Waverly, FL · Charter 67304
Q2 1998
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 | Q2 1996 | Q4 1996 | Q1 1997 | Q2 1997 | Q3 1997 | Q4 1997 | Q1 1998 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.99% | 4.93% | 4.31% | 4.62% | 4.69% | 4.48% | 2.65% | 2.70% | -192 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) | -6.11% | -4.52% | -4.12% | -11.39% | -4.35% | -4.34% | 1.65% | 8.00% | +1,938 bps | |
| Loan Growth (YoY) | 12.26% | -1.45% | -16.57% | -17.65% | -19.13% | -21.99% | -17.94% | -25.44% | -779 bps | |
| Share Growth (YoY) | -13.10% | -8.44% | -9.59% | -19.76% | -9.89% | -7.83% | 0.69% | 34.51% | +5,427 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.41% | 1.97% | 0.51% | 1.20% | 0.78% | 1.88% | 1.62% | 7.35% | +616 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 | 2.18% | 2.62% | 3.20% | 2.78% | 1.87% | 2.12% | 2.34% | 2.59% | -18 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 | 40.74% | 38.44% | 35.26% | 37.84% | 36.56% | 32.54% | 28.73% | 20.97% | -1,686 bps | |
| Liquid Assets / Assets | 67.85% | 63.94% | 66.97% | 66.58% | 66.91% | 66.13% | 65.20% | 74.71% | +813 bps | |