Wharton, TX · Charter 12655
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Wharton, TX · Charter 12655
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.50% | 3.74% | 2.99% | 3.44% | 3.45% | 0.54% | 1.11% | 1.05% | -238 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 3.92% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.52% | 4.41% | 4.53% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 88.16% | 75.08% | 76.89% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.53% | -13.49% | -11.15% | -6.63% | -7.44% | -7.94% | -15.62% | -18.16% | -1,153 bps | |
| Loan Growth (YoY) | 14.35% | -2.01% | -1.51% | -2.95% | -9.66% | -11.05% | 4.65% | -1.91% | +104 bps | |
| Share Growth (YoY) | -11.89% | -17.83% | -14.95% | -7.57% | -11.24% | -10.69% | -21.90% | -25.08% | -1,751 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 1.83% | 1.44% | 2.81% | 0.69% | 1.99% | 0.08% | 0.82% | -199 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 | 1.08% | 1.06% | 1.29% | 1.32% | 1.38% | 1.53% | 1.34% | 1.38% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 26.90% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 26.90% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.82% | 83.09% | 77.38% | 83.63% | 82.26% | 82.75% | 103.68% | 109.49% | +2,586 bps | |
| Liquid Assets / Assets | 19.34% | 25.90% | 27.12% | 33.42% | 29.40% | 35.54% | 21.85% | 21.16% | -1,226 bps | |