PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lake County Schools

Eustis, FL · Charter 67326

Q3 2000

$29.6MAssets
$16.1MLoans
$25.1MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 1.23%, up 35 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.11% of loans (-4 bps YoY).
  • Funding: loans stand at 64.04% of shares as of Q3 2000.

Return on Assets (quarter, annualized)

1.23%+35 bps YoY

Net Interest Margin (quarter, annualized)

3.88%+51 bps YoY

Efficiency Ratio (quarter, annualized)

75.66%-159 bps YoY

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000YoY ΔTrend
Earnings
Return on Assets3.62%3.27%3.14%0.88%0.85%1.14%1.20%1.23%+35 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.37%3.50%3.51%3.59%3.88%+51 bps
Efficiency Ration/an/an/a77.25%78.73%74.72%74.36%75.66%-159 bps
Growth
Asset Growth (YoY)12.24%15.07%18.14%18.18%11.25%11.06%2.72%0.71%-1,747 bps
Loan Growth (YoY)4.18%1.38%-1.09%0.85%9.16%18.89%23.88%24.21%+2,336 bps
Share Growth (YoY)12.53%16.07%20.63%20.35%11.77%11.62%1.23%-1.17%-2,151 bps
Asset Quality
Delinquent Loans / Loans0.10%0.08%0.20%0.15%0.06%0.05%0.03%0.11%-4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.41%0.52%0.58%0.64%0.63%0.59%0.50%0.41%-23 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 / Shares55.79%50.24%46.07%50.96%54.49%53.51%56.38%64.04%+1,309 bps
Liquid Assets / Assets35.71%41.99%44.55%38.95%34.56%36.89%37.64%30.47%-848 bps