Fort Hood, TX · Charter 12534
Q2 2003
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.04% | 1.20% | 1.31% | 1.22% | 1.25% | 0.79% | 1.44% | +13 bps | |
| Return on Equity | 4.81% | 4.62% | 5.43% | 6.22% | 5.81% | 5.89% | 3.98% | 7.51% | +129 bps | |
| Net Interest Margin | 3.01% | 3.00% | 2.76% | 2.60% | 2.54% | 2.57% | 2.21% | 1.72% | -87 bps | |
| Efficiency Ratio | 85.55% | 86.00% | 83.47% | 81.91% | 82.91% | 82.50% | 86.89% | 77.19% | -472 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.54% | -0.57% | 11.67% | 14.17% | 20.12% | 16.48% | 20.40% | 17.39% | +322 bps | |
| Loan Growth (YoY) | 6.38% | 2.87% | -4.87% | -7.09% | -14.23% | -18.72% | -17.14% | -12.79% | -570 bps | |
| Share Growth (YoY) | 0.07% | -4.79% | 10.45% | 15.12% | 23.08% | 18.59% | 24.23% | 20.37% | +525 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 3.47% | 3.50% | 3.69% | 3.89% | 4.04% | 4.31% | 4.43% | 4.43% | +55 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.81% | 22.54% | 22.13% | 21.10% | 21.00% | 21.24% | 19.73% | 19.23% | -187 bps | |
| Net Worth / Assets | 22.81% | 22.54% | 22.13% | 21.10% | 21.00% | 21.24% | 19.73% | 19.23% | -187 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 18.27% | 17.36% | 15.60% | 13.49% | 12.73% | 11.90% | 10.40% | 9.77% | -372 bps | |
| Liquid Assets / Assets | 22.99% | 26.18% | 27.81% | 25.37% | 31.03% | 44.81% | 41.72% | 74.87% | +4,950 bps | |