Fort Worth, TX · Charter 60126
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 | 2.43% | 2.66% | 3.19% | 2.93% | 3.12% | 2.63% | 2.49% | 2.06% | -88 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 | -15.85% | -12.66% | -19.23% | -10.08% | -10.68% | +517 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 2.42% | -10.77% | -26.34% | -40.35% | -48.83% | -5,125 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -11.78% | -8.87% | -16.54% | -13.82% | -14.26% | -249 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.36% | 0.32% | 0.20% | 1.68% | 3.61% | 2.66% | 0.55% | +35 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 | 0.45% | 0.44% | 0.42% | 0.36% | 0.52% | 0.41% | 0.46% | 0.21% | -15 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 | 87.77% | 85.01% | 89.92% | 87.45% | 85.93% | 75.03% | 62.24% | 52.19% | -3,526 bps | |
| Liquid Assets / Assets | 20.39% | 24.73% | 25.09% | 24.29% | 27.95% | 39.43% | 46.91% | 54.54% | +3,025 bps | |