San Angelo, TX · Charter 60572
Q1 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.97% | 0.89% | 0.34% | 0.42% | 0.43% | 0.34% | 0.06% | -28 bps | |
| Return on Equity | 4.50% | 4.65% | 4.20% | 1.57% | 1.91% | 1.91% | 1.52% | 0.26% | -130 bps | |
| Net Interest Margin | 4.62% | 4.78% | 4.75% | 4.25% | 4.25% | 4.22% | 4.13% | 3.43% | -81 bps | |
| Efficiency Ratio | 77.01% | 76.10% | 77.30% | 85.91% | 87.11% | 87.99% | 90.31% | 98.35% | +1,243 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.88% | 1.01% | -5.09% | -2.99% | -4.89% | -4.68% | -4.39% | -3.14% | -15 bps | |
| Loan Growth (YoY) | -7.09% | 2.92% | -10.09% | -18.53% | -19.58% | -22.37% | -24.14% | -24.65% | -612 bps | |
| Share Growth (YoY) | 0.35% | -0.04% | -7.53% | -4.82% | -6.72% | -6.35% | -5.77% | -4.23% | +59 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.06% | 2.30% | 0.38% | 1.61% | 0.54% | 0.38% | 4.93% | 3.01% | +140 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 | 1.93% | 1.98% | 2.47% | 2.84% | 2.99% | 3.01% | 3.41% | 3.76% | +93 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.45% | 20.89% | 21.24% | 21.58% | 22.15% | 22.40% | 22.56% | 22.55% | +97 bps | |
| Net Worth / Assets | 20.45% | 20.89% | 21.24% | 21.58% | 22.15% | 22.40% | 22.56% | 22.55% | +97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.64% | 79.73% | 73.06% | 67.68% | 66.07% | 66.09% | 58.82% | 53.25% | -1,443 bps | |
| Liquid Assets / Assets | 38.32% | 32.43% | 41.58% | 46.09% | 39.24% | 39.15% | 53.86% | 58.32% | +1,223 bps | |