Fort Worth, TX · Charter 14726
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.81% | 3.71% | 3.87% | 1.16% | 1.63% | 1.45% | 2.02% | 0.84% | -33 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 13.53% | 18.76% | 8.19% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 5.29% | 5.66% | 5.94% | 5.97% | 5.36% | +7 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 70.28% | 64.30% | 68.54% | 66.59% | 84.78% | +1,450 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.22% | 13.37% | 14.98% | 15.23% | 11.25% | 7.38% | 10.67% | 18.36% | +313 bps | |
| Loan Growth (YoY) | 6.93% | -1.90% | 19.87% | 16.28% | 30.78% | 58.94% | 40.91% | 30.70% | +1,442 bps | |
| Share Growth (YoY) | 9.42% | 20.17% | 15.38% | 13.77% | 9.89% | 5.30% | 8.42% | 18.36% | +460 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.17% | 1.76% | 0.25% | 0.80% | 0.53% | 0.42% | 0.49% | 1.13% | +33 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 | 3.42% | 4.22% | 3.15% | 3.06% | 3.22% | 2.88% | 2.74% | 2.21% | -85 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 10.72% | 10.77% | 10.22% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 10.72% | 10.77% | 10.22% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.03% | 59.79% | 68.22% | 72.26% | 77.38% | 90.25% | 88.66% | 79.79% | +753 bps | |
| Liquid Assets / Assets | 29.48% | 40.90% | 25.37% | 10.50% | 15.61% | 9.84% | 21.17% | 27.83% | +1,733 bps | |