Sherman, TX · Charter 20572
Q4 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.54% | 3.92% | 4.20% | 4.78% | 4.13% | 4.18% | 3.14% | -0.30% | -508 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 | 2.58% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 110.36% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.61% | 0.31% | 2.33% | -5.69% | 6.71% | 8.70% | 8.60% | 2.32% | +801 bps | |
| Loan Growth (YoY) | -8.40% | -8.34% | -23.26% | -28.32% | -22.62% | -36.70% | -34.57% | -8.89% | +1,943 bps | |
| Share Growth (YoY) | -4.28% | -1.21% | 0.86% | -8.51% | 5.84% | 5.58% | 8.79% | 7.99% | +1,649 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 0.92% | 0.00% | 0.91% | 0.86% | 1.44% | 1.02% | 2.25% | +134 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 | 0.60% | 0.79% | 1.23% | 1.04% | 1.03% | 1.40% | 1.51% | 1.28% | +24 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 | 65.03% | 65.57% | 56.81% | 50.44% | 47.55% | 39.31% | 34.17% | 42.56% | -788 bps | |
| Liquid Assets / Assets | 3.07% | 14.74% | 8.46% | 21.44% | 47.39% | 56.82% | 54.72% | 36.34% | +1,490 bps | |