Memphis, TN · Charter 8574
Q4 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.39% | 5.24% | 4.23% | 4.00% | 3.88% | 3.72% | 0.23% | -903% | -90,664 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 | n/a | -8.93% | -12.56% | -19.89% | -24.02% | -26.35% | -99.65% | -8,708 bps | |
| Loan Growth (YoY) | n/a | n/a | -32.99% | -39.10% | -45.89% | -57.53% | -73.06% | -100.00% | -6,090 bps | |
| Share Growth (YoY) | n/a | n/a | -18.86% | -23.41% | -31.60% | -39.18% | -41.93% | -100.00% | -7,659 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.19% | 2.43% | 3.69% | 5.65% | 3.30% | 7.55% | 28.19% | n/a | n/a | |
| 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 | 1.42% | 2.11% | 4.58% | 4.84% | 3.33% | 6.65% | 3.62% | n/a | n/a | |
| 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 | 61.65% | 58.39% | 51.20% | 52.12% | 48.77% | 40.78% | 23.75% | n/a | n/a | |
| Liquid Assets / Assets | 33.83% | 40.38% | 43.28% | 60.08% | 63.55% | 70.87% | 57.31% | 0.00% | -6,008 bps | |