Daytona Beach, FL · Charter 67333
Q1 1999
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 1997 | Q3 1997 | Q4 1997 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | Q1 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.03% | 4.07% | 3.68% | 2.29% | 3.24% | 3.38% | 3.35% | 1.53% | -76 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) | 12.95% | 10.61% | 3.51% | 1.81% | -4.32% | -7.43% | -5.21% | -8.95% | -1,077 bps | |
| Loan Growth (YoY) | -1.48% | 4.51% | -13.89% | -3.82% | 1.19% | -2.35% | 9.67% | -1.95% | +187 bps | |
| Share Growth (YoY) | 14.25% | 11.64% | 4.26% | 2.23% | -5.40% | -9.26% | -7.19% | -11.63% | -1,387 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.50% | 1.42% | 1.77% | 1.63% | 0.33% | 0.33% | 0.82% | 0.27% | -137 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 | 1.09% | 0.18% | 1.34% | 1.79% | 1.13% | 1.00% | 1.25% | 1.09% | -70 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 | 80.38% | 76.75% | 80.35% | 84.21% | 85.98% | 82.60% | 94.94% | 93.43% | +923 bps | |
| Liquid Assets / Assets | 27.42% | 30.58% | 30.52% | 26.86% | 18.71% | 21.16% | 16.26% | 16.60% | -1,026 bps | |