Erath, LA · Charter 61789
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.06% | 3.67% | 4.42% | 4.01% | 3.42% | 3.20% | 3.36% | -0.96% | -497 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 | -7.39% | 6.34% | 12.25% | 20.91% | -7.27% | -12.33% | -31.47% | -4,372 bps | |
| Loan Growth (YoY) | n/a | -7.42% | 16.24% | -1.44% | -14.37% | -1.33% | -8.83% | -32.35% | -3,091 bps | |
| Share Growth (YoY) | n/a | -9.02% | 7.03% | 11.97% | 27.26% | -8.57% | -14.45% | -37.10% | -4,907 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.53% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.58% | 0.58% | 0.53% | 0.54% | 0.67% | 0.58% | 0.59% | 0.79% | +26 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 | 87.40% | 77.21% | 91.90% | 79.49% | 58.81% | 83.33% | 97.93% | 85.49% | +600 bps | |
| Liquid Assets / Assets | 8.79% | 21.34% | 8.56% | 17.90% | 31.51% | 28.76% | 16.28% | 0.00% | -1,790 bps | |