Euless, TX · Charter 22297
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Euless, TX · Charter 22297
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 | 2.51% | 5.06% | 5.06% | 4.78% | 4.34% | 3.99% | 0.81% | -20.61% | -2,539 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 | 4.05% | 4.35% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 73.42% | 253% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.84% | 6.69% | 5.91% | 5.22% | 12.83% | 14.11% | 7.21% | -14.69% | -1,991 bps | |
| Loan Growth (YoY) | 13.97% | 19.57% | 13.17% | 1.78% | 0.51% | -13.24% | -8.25% | -8.62% | -1,040 bps | |
| Share Growth (YoY) | 4.86% | -0.07% | 5.54% | 4.32% | 12.81% | 21.20% | 8.67% | -8.31% | -1,263 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.75% | 3.00% | 3.15% | 3.06% | 1.23% | 2.46% | 2.56% | 2.20% | -86 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 | 1.57% | 1.50% | 1.71% | 1.43% | 1.65% | 1.70% | 1.69% | 5.10% | +367 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 | 92.53% | 109.91% | 104.93% | 90.28% | 82.44% | 78.68% | 88.60% | 89.97% | -31 bps | |
| Liquid Assets / Assets | 0.00% | 6.68% | 5.15% | 15.88% | 16.43% | 19.28% | 20.24% | 14.82% | -105 bps | |