Deland, FL · Charter 67328
Q3 2000
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 | Q4 1998 | Q1 1999 | Q2 1999 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.13% | 3.58% | 3.57% | 0.39% | 0.52% | 0.71% | 0.92% | 1.03% | +64 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 | 3.15% | 3.55% | 3.96% | 4.39% | 4.49% | +134 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 72.55% | 68.57% | 73.22% | 74.23% | 75.00% | +245 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.55% | 10.99% | 13.62% | 11.32% | 6.32% | -6.35% | -21.68% | -25.26% | -3,658 bps | |
| Loan Growth (YoY) | -16.72% | -12.91% | 2.05% | 19.34% | 24.65% | 21.04% | 7.22% | -5.55% | -2,489 bps | |
| Share Growth (YoY) | 8.31% | 12.93% | 16.80% | 12.75% | 7.45% | -8.53% | -28.45% | -31.28% | -4,403 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.83% | 0.71% | 1.08% | 1.60% | 0.14% | 0.14% | 0.18% | 0.18% | -142 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 | 0.62% | 0.65% | 0.67% | 1.09% | 0.86% | 1.20% | 1.37% | 1.41% | +31 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 | 35.73% | 34.45% | 34.85% | 39.60% | 41.45% | 45.58% | 52.23% | 54.42% | +1,483 bps | |
| Liquid Assets / Assets | 24.23% | 28.31% | 30.15% | 28.67% | 26.60% | 26.68% | 26.85% | 27.28% | -139 bps | |