Dallas, TX · Charter 22878
Q2 1998
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 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.92% | 1.79% | 2.75% | 3.58% | 5.02% | 4.43% | -0.84% | -0.84% | -442 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | 6.82% | 6.73% | 6.68% | -17.11% | -22.36% | -2,918 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 8.80% | 5.59% | -7.55% | -16.16% | -24.85% | -3,365 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -5.66% | 5.11% | 4.15% | -29.85% | -27.59% | -2,193 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 2.33% | 0.23% | 1.74% | 0.24% | 9.76% | 3.17% | 3.17% | +143 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 | 0.80% | 1.02% | 0.79% | 0.66% | 0.82% | 1.10% | 0.90% | 0.90% | +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 | 137.89% | 133.85% | 127.59% | 146.95% | 138.52% | 118.82% | 152.51% | 152.51% | +556 bps | |
| Liquid Assets / Assets | 1.15% | 6.20% | 5.72% | 1.04% | 1.08% | 10.58% | 1.31% | 1.31% | +27 bps | |