San Antonio, TX · Charter 10529
Q2 1998
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 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.53% | 3.18% | 2.94% | 3.30% | 3.54% | 3.46% | 3.94% | 4.24% | +93 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 | n/a | 54.40% | 38.15% | 21.67% | 2.66% | 4.39% | -5,001 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 113.98% | 59.75% | 26.90% | 13.68% | 6.41% | -10,757 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 54.64% | 48.17% | 23.95% | 1.86% | 3.53% | -5,111 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 0.15% | 0.44% | 0.48% | 0.51% | 0.70% | 0.99% | 1.20% | +72 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 | 0.55% | 0.53% | 0.38% | 0.41% | 0.32% | 0.40% | 0.52% | 0.52% | +11 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 | 87.21% | 87.62% | 80.46% | 82.37% | 94.03% | 89.70% | 89.79% | 84.67% | +229 bps | |
| Liquid Assets / Assets | 20.84% | 10.80% | 16.61% | 4.05% | 1.02% | 9.44% | 12.70% | 15.71% | +1,166 bps | |