Corpus Christi, TX · Charter 14231
Q4 1999
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.50% | 4.90% | 4.31% | 3.94% | 3.54% | 1.13% | 1.15% | -0.98% | -492 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 | 4.31% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 103.75% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.33% | 10.80% | 9.83% | 23.46% | 17.60% | 9.63% | 2.40% | -15.02% | -3,848 bps | |
| Loan Growth (YoY) | 3.98% | 20.41% | 23.60% | 23.90% | 25.55% | 4.41% | -4.04% | -16.51% | -4,041 bps | |
| Share Growth (YoY) | 9.12% | 7.39% | 5.97% | 24.34% | 18.28% | 13.34% | 5.37% | -15.75% | -4,009 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.13% | 0.67% | 1.25% | 0.34% | 7.43% | 0.76% | 0.61% | 1.60% | +125 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 | 0.86% | 0.99% | 1.17% | 1.08% | 0.14% | 1.68% | 1.15% | 1.60% | +52 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 | 82.56% | 94.30% | 89.25% | 84.15% | 87.64% | 86.87% | 81.27% | 83.39% | -76 bps | |
| Liquid Assets / Assets | 19.11% | 1.78% | 4.89% | 31.52% | 7.35% | 14.15% | 30.77% | 13.66% | -1,786 bps | |