Playas, NM · Charter 23698
Q2 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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.37% | 4.11% | 5.22% | 4.50% | 4.60% | 3.96% | 3.60% | 2.26% | -224 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 | 22.44% | 14.64% | 10.98% | 20.85% | 14.65% | 19.72% | 14.37% | +339 bps | |
| Loan Growth (YoY) | n/a | 35.41% | 10.18% | 13.14% | 16.39% | 3.14% | -14.39% | -16.35% | -2,949 bps | |
| Share Growth (YoY) | n/a | 21.79% | 12.29% | 8.73% | 21.23% | 13.77% | 22.37% | 15.87% | +714 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.93% | 0.15% | 1.21% | 0.00% | 0.32% | 4.99% | 0.12% | 0.75% | +75 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 | 2.69% | 2.46% | 2.09% | 2.48% | 2.75% | 3.38% | 0.00% | 0.74% | -174 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 | 89.00% | 84.60% | 104.19% | 91.62% | 85.45% | 76.69% | 72.89% | 66.14% | -2,548 bps | |
| Liquid Assets / Assets | 23.40% | 29.44% | 18.89% | 24.46% | 31.20% | 37.28% | 32.10% | 42.93% | +1,848 bps | |