Fernandina Bch., FL · Charter 67308
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 | 3.64% | 4.09% | 4.42% | 3.64% | 3.79% | 4.15% | 4.15% | -5.25% | -888 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) | 21.35% | -2.72% | -1.26% | -1.34% | -0.44% | 0.86% | 5.44% | 2.67% | +401 bps | |
| Loan Growth (YoY) | 6.70% | 31.88% | 25.81% | 29.04% | 0.58% | 3.00% | 2.29% | -5.09% | -3,413 bps | |
| Share Growth (YoY) | 22.11% | -5.24% | -3.36% | -3.35% | -2.23% | -0.84% | 4.65% | 3.84% | +719 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.16% | 0.87% | 1.24% | 0.56% | 0.24% | 0.21% | 0.67% | 0.34% | -22 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 | 2.08% | 2.05% | 1.99% | 2.17% | 2.24% | 2.15% | 2.07% | 2.92% | +74 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 | 72.36% | 85.74% | 93.86% | 82.61% | 74.44% | 89.07% | 91.74% | 75.52% | -710 bps | |
| Liquid Assets / Assets | 34.66% | 24.92% | 15.62% | 22.24% | 30.99% | 23.33% | 20.39% | 31.58% | +934 bps | |