Dallas, TX · Charter 14860
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Dallas, TX · Charter 14860
Q2 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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.16% | 3.40% | 2.05% | 1.01% | -0.15% | 1.09% | 2.66% | 0.00% | -101 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 | -18.23% | -11.18% | -12.17% | -9.57% | -12.07% | -5.25% | -100.00% | -8,783 bps | |
| Loan Growth (YoY) | n/a | -31.50% | -41.79% | -35.07% | -35.74% | -35.22% | -2.60% | -100.00% | -6,493 bps | |
| Share Growth (YoY) | n/a | -25.98% | -17.35% | -22.81% | -18.00% | -19.86% | -10.47% | -100.00% | -7,719 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 20.84% | 11.89% | 20.44% | 22.35% | 8.37% | 5.09% | 2.69% | 0.00% | -2,235 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 | 7.49% | 8.98% | 12.13% | 12.72% | 11.85% | 14.47% | 12.72% | 0.00% | -1,272 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 | 63.68% | 59.19% | 47.90% | 52.11% | 49.91% | 47.84% | 52.11% | 100.00% | +4,789 bps | |
| Liquid Assets / Assets | 54.26% | 63.03% | 64.75% | 66.15% | 63.90% | 66.19% | 66.06% | 0.00% | -6,615 bps | |