Dallas, TX · Charter 24322
Q4 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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -9.14% | -6.12% | 2.41% | 2.39% | 3.19% | 0.96% | 2.11% | -6.75% | -914 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 | 5.83% | 6.19% | 7.23% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 71.14% | 70.52% | 104.24% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 80.33% | 87.17% | 159.09% | 193.31% | 50.47% | 76.92% | 24.63% | -16.75% | -21,006 bps | |
| Loan Growth (YoY) | 185.74% | 314% | 261% | 224% | 137.08% | 63.62% | 35.12% | -0.69% | -22,489 bps | |
| Share Growth (YoY) | 89.22% | 107.06% | 177.39% | 185.30% | 53.40% | 55.39% | 20.30% | -8.90% | -19,419 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 19.49% | 8.63% | 8.26% | 4.04% | 4.61% | 4.90% | 2.08% | 29.10% | +2,506 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 | 13.86% | 4.98% | 4.80% | 3.86% | 3.56% | 4.22% | 4.08% | 13.16% | +931 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -5.18% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -5.18% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.23% | 68.85% | 62.07% | 64.40% | 71.44% | 72.50% | 69.72% | 70.20% | +580 bps | |
| Liquid Assets / Assets | 50.28% | 27.69% | 34.10% | 33.91% | 26.61% | 15.49% | 18.34% | 21.46% | -1,245 bps | |