Amarillo, TX · Charter 67430
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 | 3.40% | 3.28% | 3.79% | 3.56% | 3.63% | 3.54% | -1.69% | -1.85% | -541 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 | 6.83% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 91.10% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.74% | -14.04% | -5.58% | 14.54% | 21.22% | 18.36% | 1.82% | -21.58% | -3,611 bps | |
| Loan Growth (YoY) | 22.89% | 11.45% | 18.16% | 27.38% | 39.37% | 33.91% | -2.01% | -23.26% | -5,064 bps | |
| Share Growth (YoY) | -17.48% | -18.80% | -15.82% | 8.38% | 26.40% | 23.41% | 15.02% | -31.67% | -4,005 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 4.27% | 5.21% | 0.92% | 4.67% | 0.42% | -385 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 | 1.47% | 1.67% | 2.10% | 2.57% | 3.26% | 2.07% | 4.68% | 0.04% | -253 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 | 98.12% | 102.11% | 121.12% | 121.67% | 108.18% | 110.80% | 103.18% | 136.64% | +1,497 bps | |
| Liquid Assets / Assets | 14.50% | 15.49% | 4.07% | 3.41% | 2.33% | 4.25% | 10.39% | 2.87% | -54 bps | |