San Antonio, TX · Charter 17435
Q2 1997
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 4.26% | 3.31% | -0.02% | 1.45% | 5.32% | 4.51% | 4.10% | +412 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 15.82% | 29.94% | 22.01% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 90.19% | 101.06% | 78.59% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 21.60% | 72.53% | 40.18% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 3.51% | 5.03% | 3.59% | 3.61% | 2.75% | 3.94% | 7.09% | +349 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.57% | 0.76% | 2.50% | 3.76% | 3.59% | 3.31% | 5.55% | +305 bps | |
| Capital | |||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||||
| Loans / Shares | 58.76% | 75.62% | 68.20% | 91.30% | 91.91% | 88.12% | 86.89% | +1,869 bps | |
| Liquid Assets / Assets | 1.59% | 34.68% | 33.24% | 7.84% | 2.37% | 7.05% | 5.60% | -2,765 bps | |