PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cyanamid Employees

Pace, FL · Charter 67306

Q2 2000

$8.6MAssets
$4.6MLoans
$7.3MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.83%, down 274 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.00% of loans (-40 bps YoY).
  • Funding: loans stand at 63.04% of shares as of Q2 2000.

Return on Assets (quarter, annualized)

0.83%-274 bps YoY

Net Interest Margin (quarter, annualized)

3.96%

Efficiency Ratio (quarter, annualized)

80.30%

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000YoY ΔTrend
Earnings
Return on Assets4.17%4.16%3.74%3.57%0.39%0.45%0.57%0.83%-274 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.38%3.54%3.72%3.96%n/a
Efficiency Ration/an/an/an/a89.29%88.11%85.46%80.30%n/a
Growth
Asset Growth (YoY)0.32%1.64%-0.04%4.93%-0.42%-4.70%-0.53%-4.23%-916 bps
Loan Growth (YoY)-2.93%-7.05%-7.93%-11.14%-13.08%-7.10%-3.87%-1.24%+991 bps
Share Growth (YoY)-0.46%1.01%-0.73%5.07%-1.13%-5.66%-1.06%-5.43%-1,049 bps
Asset Quality
Delinquent Loans / Loans0.19%0.45%0.01%0.40%0.14%0.19%0.25%0.00%-40 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.26%0.27%0.19%0.20%0.20%0.46%0.37%0.25%+4 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 / Shares69.01%65.27%64.96%60.37%60.67%64.27%63.11%63.04%+267 bps
Liquid Assets / Assets32.52%35.87%35.79%39.25%36.87%35.56%32.79%38.52%-72 bps