Memphis, TN · Charter 68059
Q2 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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.33% | 4.86% | 5.20% | 4.44% | 4.80% | 1.36% | 2.47% | 2.83% | -162 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 | -0.84% | -7.56% | -6.15% | -17.57% | -15.21% | -6.99% | 10.61% | +1,676 bps | |
| Loan Growth (YoY) | n/a | 15.79% | -3.59% | -8.53% | -20.00% | -25.99% | -14.87% | 4.09% | +1,262 bps | |
| Share Growth (YoY) | n/a | -7.02% | -14.26% | -11.99% | -25.17% | -20.84% | -9.90% | 12.84% | +2,484 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.75% | 0.00% | 0.88% | 0.84% | 10.92% | 8.65% | 7.66% | 5.23% | +439 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 | 1.82% | 1.62% | 1.90% | 1.42% | 1.77% | 2.25% | 2.76% | 2.69% | +127 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 | 101.64% | 103.13% | 98.03% | 103.68% | 108.68% | 96.42% | 92.63% | 95.63% | -804 bps | |
| Liquid Assets / Assets | 6.29% | 15.18% | 11.81% | 11.84% | 13.54% | 0.90% | 0.10% | 23.19% | +1,136 bps | |