Waco, TX · Charter 11135
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.39% | 1.26% | 0.30% | 0.64% | 0.71% | 0.94% | 0.93% | 0.00% | -64 bps | |
| Return on Equity | 8.98% | 7.51% | 1.82% | 3.85% | 4.22% | 5.33% | 5.27% | 0.00% | -385 bps | |
| Net Interest Margin | 5.04% | 5.10% | 3.71% | 3.77% | 3.70% | 3.94% | 3.80% | 5.11% | +135 bps | |
| Efficiency Ratio | 67.18% | 69.93% | 84.15% | 75.83% | 73.87% | 69.72% | 69.81% | 58.15% | -1,768 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.88% | 9.47% | 6.71% | 8.36% | -3.73% | 0.11% | 1.27% | -10.21% | -1,856 bps | |
| Loan Growth (YoY) | -7.52% | -25.00% | -33.22% | -25.68% | -20.14% | -11.95% | -3.93% | -23.02% | +266 bps | |
| Share Growth (YoY) | 20.57% | 8.46% | 7.09% | 9.46% | -5.07% | -0.56% | 0.51% | -12.23% | -2,168 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.75% | 12.76% | 11.94% | 10.68% | 11.16% | 16.48% | 20.30% | 7.35% | -333 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 | 9.07% | 9.83% | 11.81% | 11.32% | 12.00% | 11.78% | 12.97% | 5.98% | -535 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.51% | 16.72% | 16.76% | 16.54% | 16.83% | 17.65% | 17.64% | 19.08% | +254 bps | |
| Net Worth / Assets | 15.51% | 16.72% | 16.76% | 16.54% | 16.83% | 17.65% | 17.64% | 19.08% | +254 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.20% | 63.66% | 53.24% | 54.70% | 52.33% | 56.37% | 50.89% | 47.98% | -673 bps | |
| Liquid Assets / Assets | 51.54% | 51.92% | 60.23% | 58.66% | 60.81% | 57.74% | 61.84% | 60.67% | +201 bps | |