Jacksonville, FL · Charter 68194
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 1997 | Q4 1997 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | Q1 1999 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.10% | -5.39% | -5.58% | -3.62% | -3.22% | -2.36% | -2.21% | -3.01% | +61 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) | 996% | -2.98% | -2.93% | -16.60% | -22.29% | -0.57% | 5.84% | 4.80% | +2,140 bps | |
| Loan Growth (YoY) | n/a | 4062% | 360% | 210% | 42.27% | 73.06% | -7.65% | -27.99% | -23,754 bps | |
| Share Growth (YoY) | 1319% | -3.54% | -3.52% | -17.50% | -23.22% | -1.33% | 5.44% | 4.91% | +2,241 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 1.15% | 1.32% | 1.01% | 1.00% | 1.30% | 1.20% | 1.36% | 1.66% | +66 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 | 21.94% | 25.56% | 43.70% | 48.13% | 40.65% | 44.84% | 38.27% | 33.04% | -1,509 bps | |
| Liquid Assets / Assets | 75.53% | 69.77% | 49.92% | 48.42% | 53.48% | 52.80% | 60.27% | 64.70% | +1,628 bps | |