Brownsville, TX · Charter 22602
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.22% | 4.68% | 3.97% | 0.27% | 0.74% | 0.58% | 2.64% | 2.79% | +252 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 2.68% | 11.29% | 10.24% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 3.19% | 4.31% | 4.16% | 5.88% | 5.73% | +254 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 89.92% | 74.94% | 71.44% | 51.36% | 49.25% | -4,066 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.84% | 3.97% | 20.17% | 8.22% | -1.34% | 14.48% | 1.58% | -4.77% | -1,298 bps | |
| Loan Growth (YoY) | -1.89% | -40.23% | -41.07% | -0.73% | 10.88% | 21.32% | 12.92% | -0.63% | +10 bps | |
| Share Growth (YoY) | 24.75% | 13.56% | 26.84% | 12.23% | 1.21% | 17.33% | -1.15% | -9.91% | -2,213 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.57% | 0.00% | 0.00% | 0.21% | 0.00% | 0.18% | 0.34% | +34 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 | 2.94% | 3.17% | 3.46% | 2.94% | 2.74% | 1.11% | 3.06% | 2.95% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 21.65% | 23.38% | 27.30% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 21.65% | 23.38% | 27.30% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.74% | 38.02% | 29.46% | 36.91% | 36.96% | 39.31% | 33.65% | 40.71% | +380 bps | |
| Liquid Assets / Assets | 53.10% | 40.70% | 59.61% | 45.59% | 54.03% | 56.50% | 66.85% | 64.66% | +1,907 bps | |