Longview, TX · Charter 24416
Q4 1997
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.02% | 3.21% | 3.69% | 3.65% | 3.33% | 3.55% | 3.34% | 3.54% | -11 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 | n/a | -11.83% | -8.11% | 0.08% | -9.39% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 1.71% | -18.51% | -25.73% | -32.15% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -13.83% | -9.80% | -0.17% | -11.63% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.00% | 2.92% | 0.54% | 0.53% | 1.12% | 0.53% | 0.38% | 0.05% | -48 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 | 1.36% | 1.42% | 1.62% | 1.47% | 1.76% | 2.20% | 2.43% | 2.68% | +121 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 | 72.66% | 86.77% | 103.35% | 96.04% | 85.76% | 78.39% | 76.88% | 73.73% | -2,231 bps | |
| Liquid Assets / Assets | 11.71% | 3.11% | 12.60% | 16.34% | 24.48% | 30.27% | 30.10% | 35.14% | +1,879 bps | |