Fort Worth, TX · Charter 4013
Q1 2001
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 1999 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.84% | 0.80% | 0.81% | 0.68% | 0.73% | 0.79% | 0.35% | 0.61% | -7 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 3.08% | 5.54% | n/a | |
| Net Interest Margin | n/a | 2.43% | 2.47% | 2.52% | 2.50% | 2.52% | 2.06% | 2.41% | -10 bps | |
| Efficiency Ratio | n/a | 62.09% | 61.62% | 67.71% | 66.64% | 65.05% | 76.23% | 69.82% | +211 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.77% | 4.92% | 2.36% | 2.48% | 2.17% | 2.25% | 4.03% | 8.11% | +563 bps | |
| Loan Growth (YoY) | 7.39% | 10.03% | 9.66% | 13.98% | 14.75% | 15.12% | 15.31% | 9.18% | -480 bps | |
| Share Growth (YoY) | 5.78% | 4.58% | 1.75% | 1.85% | 1.47% | 1.71% | 4.10% | 8.83% | +698 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.47% | 0.51% | 0.50% | 0.41% | 0.62% | 0.83% | 0.55% | +5 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 | 0.74% | 0.72% | 0.72% | 0.70% | 0.68% | 0.67% | 0.67% | 0.69% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 11.33% | 10.99% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 11.33% | 10.99% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.23% | 56.97% | 57.82% | 60.48% | 62.46% | 64.48% | 64.05% | 60.68% | +20 bps | |
| Liquid Assets / Assets | 26.66% | 30.20% | 30.25% | 22.66% | 20.23% | 19.44% | 26.01% | 24.46% | +180 bps | |