Fort Worth, TX · Charter 10425
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.21% | 5.92% | 5.43% | 6.49% | 7.28% | 3.63% | 3.16% | 2.59% | -390 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 17.19% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 9.90% | 7.83% | 7.64% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 42.93% | 48.17% | 56.18% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 106.30% | 121.67% | 87.35% | 63.75% | 52.77% | 36.54% | 16.07% | 13.12% | -5,063 bps | |
| Loan Growth (YoY) | 111.64% | 109.09% | 99.47% | 67.73% | 52.74% | 35.50% | 16.50% | 6.75% | -6,098 bps | |
| Share Growth (YoY) | 111.17% | 126.42% | 86.46% | 60.62% | 48.09% | 30.94% | 8.90% | 1.93% | -5,868 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.70% | 1.40% | 2.13% | 0.83% | 4.64% | 1.91% | 2.04% | 4.01% | +318 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 | 2.76% | 3.80% | 3.57% | 4.33% | 4.82% | 4.79% | 4.62% | 4.21% | -12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 15.05% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 15.05% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.86% | 97.81% | 98.12% | 104.53% | 106.08% | 101.22% | 104.96% | 109.47% | +494 bps | |
| Liquid Assets / Assets | 4.81% | 12.38% | 11.42% | 0.00% | 0.00% | 13.54% | 0.00% | 14.34% | +1,434 bps | |