Carrollton, TX · Charter 22127
Q4 1999
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.41% | 3.66% | 4.07% | 3.90% | 3.42% | 3.33% | 2.56% | 0.84% | -306 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 | 3.99% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 78.52% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.24% | 8.21% | 2.11% | 5.62% | 1.15% | 7.79% | 3.26% | 15.28% | +967 bps | |
| Loan Growth (YoY) | 23.64% | 15.06% | 5.62% | 5.51% | 5.02% | -9.28% | -19.67% | 6.81% | +129 bps | |
| Share Growth (YoY) | 14.61% | 9.78% | 1.37% | 4.39% | -1.64% | 6.75% | 2.74% | 12.75% | +836 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 0.19% | 0.55% | 0.59% | 0.75% | 1.08% | 0.63% | 0.32% | -27 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 | 1.07% | 1.16% | 1.00% | 1.10% | 1.12% | 1.01% | 1.20% | 0.79% | -31 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 | 80.18% | 86.41% | 84.11% | 81.28% | 85.60% | 73.44% | 65.76% | 76.99% | -428 bps | |
| Liquid Assets / Assets | 20.06% | 13.88% | 18.60% | 18.37% | 18.40% | 28.10% | 32.41% | 22.96% | +459 bps | |