Austin, TX · Charter 11497
Q1 1997
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 1995 | Q3 1995 | Q4 1995 | Q1 1996 | Q2 1996 | Q3 1996 | Q4 1996 | Q1 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.98% | 4.03% | 4.08% | 4.26% | 4.23% | n/a | 4.03% | 3.73% | -53 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) | 7.26% | 6.94% | 9.01% | 12.71% | 12.83% | 14.04% | 15.28% | 11.90% | -81 bps | |
| Loan Growth (YoY) | 3.84% | -6.89% | -0.63% | 2.29% | 11.73% | 23.02% | 8.88% | 8.92% | +663 bps | |
| Share Growth (YoY) | 8.15% | 6.39% | 8.21% | 11.95% | 12.25% | 14.31% | 16.20% | 12.17% | +22 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.71% | 0.69% | 1.33% | 1.24% | 1.05% | 1.09% | 0.90% | -42 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 | 1.56% | 1.62% | 1.51% | 1.48% | 1.36% | 1.30% | 1.22% | 1.16% | -32 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 | 85.51% | 79.65% | 83.15% | 81.33% | 85.12% | 85.72% | 77.90% | 78.98% | -236 bps | |
| Liquid Assets / Assets | 16.93% | 22.55% | 17.64% | 19.57% | 15.78% | 14.23% | 20.58% | 20.61% | +104 bps | |