Dallas, TX · Charter 6321
Q4 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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.97% | -1.16% | -2.60% | -11.73% | -2.54% | -3.75% | 5.02% | 3.21% | +1,494 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 | 7.89% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 59.61% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.29% | 11.27% | -9.39% | -51.53% | -33.13% | -49.20% | -31.63% | 7.98% | +5,951 bps | |
| Loan Growth (YoY) | -0.95% | -5.44% | -25.85% | -24.65% | -44.18% | -38.88% | -34.64% | -43.97% | -1,933 bps | |
| Share Growth (YoY) | 13.85% | 20.08% | -3.71% | -20.24% | -29.41% | -50.05% | -28.64% | -35.06% | -1,482 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 13.03% | 4.03% | 6.67% | 14.58% | 3.36% | 3.20% | 9.85% | 6.45% | -813 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 | 5.46% | 3.34% | 0.54% | 7.32% | 2.97% | 8.74% | 13.63% | 11.82% | +450 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 | 88.39% | 107.49% | 95.83% | 117.14% | 69.89% | 131.52% | 87.77% | 101.06% | -1,608 bps | |
| Liquid Assets / Assets | 12.57% | 13.25% | 16.38% | 5.18% | 34.68% | 18.29% | 16.86% | 19.19% | +1,401 bps | |