Miami, FL · Charter 7185
Q2 1997
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 3.13% | 3.20% | 2.84% | 3.13% | 2.84% | 3.32% | 2.63% | -21 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -11.92% | -23.96% | -34.09% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -24.05% | -31.92% | -19.90% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -15.35% | -29.05% | -41.87% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 0.46% | 0.11% | 0.03% | 0.03% | 0.08% | 0.04% | 0.16% | +13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.25% | 1.20% | 1.54% | 0.92% | 1.14% | 1.24% | 1.36% | -18 bps | |
| Capital | |||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||||
| Loans / Shares | 54.17% | 55.06% | 56.23% | 58.71% | 48.60% | 52.83% | 77.50% | +2,126 bps | |
| Liquid Assets / Assets | 48.83% | 47.18% | 44.66% | 44.61% | 53.66% | 52.87% | 39.06% | -560 bps | |