Dallas, TX · Charter 10553
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 | 3.71% | 3.48% | 3.62% | 3.43% | 2.66% | 2.13% | 2.49% | 1.73% | -170 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 | -16.07% | -7.59% | -6.33% | -7.21% | 30.35% | +4,642 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 26.74% | 34.26% | 12.72% | 6.96% | -27.82% | -5,456 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -18.16% | -8.89% | -7.57% | -8.63% | -33.83% | -1,567 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.65% | 0.88% | 0.93% | 0.97% | 0.96% | 1.07% | 0.66% | 0.76% | -21 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 | 1.59% | 1.89% | 1.79% | 1.75% | 1.71% | 1.89% | 1.60% | 2.28% | +53 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 | 40.78% | 47.20% | 47.47% | 52.27% | 60.09% | 57.56% | 55.57% | 57.02% | +475 bps | |
| Liquid Assets / Assets | 24.72% | 23.00% | 26.35% | 18.43% | 18.83% | 20.19% | 28.48% | 60.54% | +4,211 bps | |