Eagle Pass, TX · Charter 10152
Q4 2000
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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.74% | 2.31% | -5.91% | 0.75% | 11.83% | 8.53% | 1.06% | 1.93% | +118 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.54% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 7.55% | 9.13% | 3.49% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 11.63% | 24.33% | 48.91% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -27.71% | -26.38% | -13.13% | -4.82% | 1.12% | 4.92% | 7.05% | 2.97% | +779 bps | |
| Loan Growth (YoY) | -24.56% | -1.36% | -7.25% | 17.60% | 11.92% | -5.62% | -18.03% | -30.58% | -4,819 bps | |
| Share Growth (YoY) | -31.38% | -30.37% | -9.38% | -3.94% | -3.43% | -1.09% | -1.70% | -4.24% | -30 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.09% | 6.06% | 20.91% | 46.93% | 16.78% | 16.78% | 40.89% | 19.55% | -2,739 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 | 8.49% | 7.16% | 18.33% | 15.68% | 17.18% | 17.18% | 6.03% | 6.09% | -959 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 22.61% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 22.61% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.10% | 90.00% | 81.57% | 95.45% | 85.88% | 85.88% | 68.01% | 69.19% | -2,626 bps | |
| Liquid Assets / Assets | 30.68% | 27.61% | 31.44% | 30.98% | 29.36% | 0.00% | 31.24% | 51.14% | +2,017 bps | |