Amarillo, TX · Charter 60817
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.52% | -0.01% | 1.71% | 0.00% | -0.55% | -0.52% | 0.95% | -10.90% | -1,089 bps | |
| Return on Equity | -3.40% | -0.07% | 11.43% | -0.02% | -3.76% | -3.52% | 6.50% | -150.51% | -15,049 bps | |
| Net Interest Margin | 5.32% | 4.92% | 6.63% | 4.64% | 4.54% | 4.62% | 5.78% | 5.61% | +96 bps | |
| Efficiency Ratio | 91.77% | 99.79% | 74.20% | 99.85% | 111.87% | 104.69% | 80.54% | 288% | +18,844 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.11% | 2.25% | 2.43% | 5.12% | 2.89% | 0.39% | 2.89% | -19.65% | -2,477 bps | |
| Loan Growth (YoY) | -18.18% | -12.20% | -9.43% | -9.44% | -5.28% | 10.83% | 7.72% | -3.66% | +578 bps | |
| Share Growth (YoY) | 1.96% | 3.16% | 3.60% | 6.72% | 3.58% | -6.73% | -8.53% | -12.53% | -1,925 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.27% | 0.01% | 0.00% | 0.95% | 0.14% | 0.52% | 0.10% | 0.09% | -86 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 | 1.27% | 0.54% | 0.57% | 0.61% | 0.51% | 0.58% | 0.63% | 0.76% | +15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.18% | 15.01% | 15.00% | 14.57% | 14.62% | 14.70% | 14.56% | 7.24% | -733 bps | |
| Net Worth / Assets | 15.18% | 15.01% | 15.00% | 14.57% | 14.62% | 14.70% | 14.56% | 7.24% | -733 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.84% | 82.87% | 81.69% | 76.35% | 77.59% | 98.48% | 96.20% | 84.10% | +775 bps | |
| Liquid Assets / Assets | 26.20% | 27.35% | 28.40% | 32.76% | 24.85% | 13.39% | 18.65% | 19.62% | -1,315 bps | |