Kilgore, TX · Charter 21760
Q4 2002
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.49% | 0.36% | 0.45% | 0.15% | 0.15% | -5.13% | -4.00% | -3.94% | -410 bps | |
| Return on Equity | n/a | n/a | 2.02% | 0.66% | 0.66% | -24.36% | -17.83% | -16.29% | -1,696 bps | |
| Net Interest Margin | 6.96% | 5.65% | 5.40% | 4.85% | 2.50% | 2.64% | 3.24% | 3.13% | -172 bps | |
| Efficiency Ratio | 70.90% | 86.53% | 88.55% | 97.08% | 94.32% | 288% | 221% | 224% | +12,665 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.05% | 1.71% | -0.25% | -7.57% | -1.39% | -5.55% | -12.88% | -19.55% | -1,198 bps | |
| Loan Growth (YoY) | 0.68% | -29.41% | -49.62% | -26.41% | -14.55% | -26.70% | -7.37% | -45.72% | -1,932 bps | |
| Share Growth (YoY) | 2.94% | -1.88% | -2.63% | -10.40% | -1.57% | -5.63% | -13.00% | -19.09% | -868 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.33% | 3.84% | 1.85% | 4.47% | 4.11% | 7.66% | 10.90% | 52.51% | +4,803 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 | 10.47% | 10.80% | 9.56% | 5.95% | 5.95% | 7.91% | 8.88% | 8.97% | +302 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 22.15% | 22.71% | 22.77% | 21.07% | 22.44% | 24.21% | +150 bps | |
| Net Worth / Assets | n/a | n/a | 22.15% | 22.71% | 22.77% | 21.07% | 22.44% | 24.21% | +150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.34% | 60.43% | 42.26% | 60.20% | 60.20% | 46.94% | 44.99% | 40.38% | -1,982 bps | |
| Liquid Assets / Assets | 30.80% | 35.63% | 67.23% | 53.50% | 53.53% | 64.78% | 66.32% | 55.27% | +177 bps | |