San Antonio, TX · Charter 63049
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.43% | 3.73% | 3.45% | 3.60% | 2.93% | 1.29% | 2.60% | 2.25% | -135 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 | 9.30% | 6.58% | 4.70% | 0.50% | -3.32% | -1.68% | -5.81% | -1,052 bps | |
| Loan Growth (YoY) | n/a | 9.59% | 1.70% | -7.16% | -5.42% | -1.31% | -20.76% | -26.47% | -1,931 bps | |
| Share Growth (YoY) | n/a | 9.81% | 18.98% | 11.67% | 1.59% | -1.52% | -0.57% | -5.00% | -1,667 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.39% | 2.85% | 5.25% | 3.34% | 5.52% | 1.95% | 1.67% | 1.30% | -204 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 | 2.01% | 1.84% | 2.34% | 1.70% | 2.48% | 2.77% | 2.32% | 2.91% | +121 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 | 91.02% | 83.33% | 92.86% | 85.67% | 84.74% | 83.51% | 74.00% | 66.30% | -1,936 bps | |
| Liquid Assets / Assets | 16.85% | 16.12% | 11.41% | 18.53% | 17.44% | 19.32% | 25.56% | 28.66% | +1,013 bps | |