Jefferson, TX · Charter 18352
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.58% | 2.67% | 2.59% | -5.97% | -0.78% | 0.37% | -3.59% | -6.42% | -45 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 | 7.48% | 9.47% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 125.96% | 127.90% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.23% | -0.09% | -10.05% | -14.37% | -11.21% | -7.60% | -0.30% | 10.00% | +2,436 bps | |
| Loan Growth (YoY) | -4.30% | 8.54% | 5.30% | -6.26% | -25.76% | -28.72% | -28.54% | -6.04% | +21 bps | |
| Share Growth (YoY) | 5.92% | -1.73% | -15.56% | -14.34% | -11.46% | -3.61% | 10.32% | 24.12% | +3,846 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 14.76% | 14.59% | 20.16% | 9.69% | 13.48% | 6.83% | 1.32% | 7.19% | -250 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 | 7.66% | 6.65% | 7.63% | 6.22% | 5.12% | 3.57% | 0.82% | 3.72% | -250 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 | 102.60% | 115.03% | 125.43% | 99.01% | 86.02% | 85.06% | 81.25% | 74.95% | -2,406 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |