El Paso, TX · Charter 14759
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.34% | 3.10% | 3.76% | 0.50% | 0.49% | 0.05% | -1.26% | -0.18% | -68 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 0.21% | -6.04% | -0.89% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 6.96% | 8.35% | 8.12% | 7.52% | 7.35% | +39 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 93.11% | 94.34% | 96.45% | 97.82% | 93.52% | +40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.89% | -12.28% | -18.86% | -0.11% | -6.67% | -10.06% | -11.88% | -4.36% | -425 bps | |
| Loan Growth (YoY) | -5.97% | -10.89% | -0.27% | 20.51% | -7.46% | -15.71% | -27.61% | -10.57% | -3,107 bps | |
| Share Growth (YoY) | -13.07% | -6.03% | -16.02% | -11.88% | -6.65% | -11.63% | -10.23% | 2.45% | +1,433 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 16.57% | 11.05% | 23.43% | 22.52% | 17.08% | 19.97% | 17.28% | 14.31% | -821 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 | 5.29% | 5.74% | 3.63% | 3.66% | 4.06% | 6.35% | 7.98% | 4.18% | +53 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 21.45% | 20.93% | 20.00% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 21.45% | 20.93% | 20.00% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 131.28% | 119.52% | 123.83% | 139.57% | 130.15% | 114.00% | 99.85% | 121.84% | -1,774 bps | |
| Liquid Assets / Assets | 0.52% | 6.48% | 1.28% | 0.00% | 0.68% | 13.56% | 22.61% | 8.36% | +836 bps | |