Alice, TX · Charter 17129
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 | 4.34% | 4.31% | 2.14% | -1.18% | 1.98% | -0.38% | 1.25% | 2.78% | +396 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -1.58% | 4.47% | 10.35% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 5.74% | 6.00% | 6.54% | 7.09% | 7.53% | +180 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 77.88% | 63.43% | 57.65% | 78.90% | 64.71% | -1,317 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.94% | 0.60% | -25.02% | -19.58% | -17.32% | -20.04% | -24.90% | -18.63% | +95 bps | |
| Loan Growth (YoY) | 11.45% | 16.90% | 35.12% | 18.18% | 3.26% | -10.80% | -25.36% | -25.31% | -4,349 bps | |
| Share Growth (YoY) | 1.32% | -1.11% | -30.67% | -23.47% | -21.65% | -22.20% | -30.86% | -23.64% | -17 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.64% | 2.78% | 8.04% | 4.55% | 3.54% | 12.90% | 5.71% | 18.24% | +1,369 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 | 1.34% | 1.35% | 3.15% | 1.96% | 2.32% | 6.84% | 7.15% | 6.36% | +440 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 23.86% | 27.97% | 26.88% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 23.86% | 27.97% | 26.88% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.91% | 75.67% | 86.93% | 87.26% | 88.18% | 86.75% | 93.84% | 85.35% | -191 bps | |
| Liquid Assets / Assets | 43.77% | 13.34% | 30.01% | 29.95% | 28.34% | 30.88% | 30.41% | 40.56% | +1,061 bps | |