Lufkin, TX · Charter 12795
Q4 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 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.73% | 3.59% | 4.59% | 3.98% | 3.30% | 3.31% | 3.13% | 3.28% | -70 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 | -25.57% | -23.38% | -20.91% | -18.14% | -16.17% | -11.57% | +1,182 bps | |
| Loan Growth (YoY) | n/a | n/a | -40.25% | -43.12% | -48.54% | -47.25% | -45.12% | -31.88% | +1,124 bps | |
| Share Growth (YoY) | n/a | n/a | -31.92% | -28.54% | -25.78% | -23.20% | -18.84% | -15.09% | +1,345 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.05% | 0.96% | 1.38% | 0.79% | 0.40% | 2.58% | 2.16% | 8.44% | +765 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 | 1.32% | 0.57% | 0.44% | 0.58% | 0.75% | 0.36% | 0.44% | 0.00% | -58 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 | 27.59% | 27.51% | 23.41% | 21.91% | 19.13% | 18.89% | 15.83% | 17.58% | -433 bps | |
| Liquid Assets / Assets | 73.76% | 74.91% | 79.64% | 80.52% | 78.94% | 82.34% | 85.83% | 82.09% | +157 bps | |