Sherman, TX · Charter 63298
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 0.68% | 1.51% | 0.89% | 0.36% | -0.92% | -1.10% | -23.36% | -2,425 bps | |
| Return on Equity | 5.18% | 3.03% | 6.60% | 3.96% | 1.59% | -4.06% | -5.11% | -309% | -31,336 bps | |
| Net Interest Margin | 3.89% | 3.43% | 4.57% | 3.84% | 3.40% | 2.18% | 1.94% | -12.31% | -1,615 bps | |
| Efficiency Ratio | 72.30% | 81.92% | 66.59% | 75.80% | 87.38% | 124.09% | 139.90% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.09% | 0.90% | -1.94% | 3.34% | 4.44% | 1.11% | 1.57% | -11.79% | -1,513 bps | |
| Loan Growth (YoY) | -7.40% | -20.82% | -21.07% | -29.84% | -28.84% | -25.57% | -24.60% | -29.58% | +26 bps | |
| Share Growth (YoY) | -8.15% | -0.23% | -4.68% | 2.65% | 5.15% | 1.36% | 3.36% | 5.50% | +285 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.96% | 2.45% | 2.63% | 2.93% | 3.32% | 3.02% | 1.96% | 1.83% | -110 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 | 1.82% | 1.58% | 1.84% | 2.00% | 2.19% | 2.16% | 1.44% | 28.14% | +2,614 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.39% | 22.58% | 22.89% | 22.51% | 22.46% | 22.70% | 21.59% | 7.55% | -1,496 bps | |
| Net Worth / Assets | 22.39% | 22.58% | 22.89% | 22.51% | 22.46% | 22.70% | 21.59% | 7.55% | -1,496 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.51% | 42.02% | 37.76% | 34.18% | 32.83% | 30.85% | 27.55% | 22.82% | -1,137 bps | |
| Liquid Assets / Assets | 7.72% | 18.36% | 67.31% | 69.90% | 71.27% | 23.70% | 75.19% | 81.37% | +1,146 bps | |