San Antonio, TX · Charter 12965
Q2 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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.96% | 2.95% | 4.22% | 3.46% | 3.65% | 2.54% | 0.11% | -9.49% | -1,295 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 | 5.31% | 5.95% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 96.91% | 210% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.53% | 2.46% | -9.24% | -12.01% | -10.27% | -25.50% | -16.53% | -29.01% | -1,699 bps | |
| Loan Growth (YoY) | -15.16% | -6.22% | 3.65% | 3.88% | -3.38% | -18.91% | -27.74% | -31.42% | -3,530 bps | |
| Share Growth (YoY) | -5.48% | 0.91% | -12.76% | -14.72% | -12.21% | -27.52% | -17.21% | -26.73% | -1,201 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.08% | 0.00% | 0.92% | 2.60% | 2.76% | 0.40% | +40 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 | 4.85% | 4.64% | 4.17% | 4.25% | 3.49% | 3.23% | 2.99% | 0.24% | -401 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 | 77.29% | 72.82% | 92.17% | 79.79% | 85.06% | 81.47% | 80.44% | 74.68% | -511 bps | |
| Liquid Assets / Assets | 23.94% | 29.20% | 13.15% | 12.27% | 12.03% | 16.40% | 14.02% | 20.69% | +841 bps | |