Lakeland, FL · Charter 67314
Q2 1997
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q1 1997 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.87% | 2.63% | 2.50% | 2.51% | 3.02% | 3.04% | 2.65% | -1.03% | -354 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) | n/a | n/a | n/a | n/a | -11.69% | -4.97% | 6.95% | -14.90% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -8.86% | -6.47% | -8.08% | -16.92% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -13.44% | -6.29% | 6.87% | -15.46% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.10% | 2.29% | 3.55% | 2.54% | 3.31% | 3.14% | 2.56% | 2.67% | +13 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 | 1.83% | 1.64% | 1.93% | 1.58% | 1.46% | 0.73% | 0.52% | 0.00% | -158 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 | 73.44% | 78.26% | 82.32% | 82.77% | 77.33% | 78.11% | 70.80% | 81.35% | -142 bps | |
| Liquid Assets / Assets | 19.95% | 0.04% | 3.35% | 23.22% | 6.09% | 4.52% | 6.01% | 3.99% | -1,923 bps | |