Amarillo, TX · Charter 67437
Q4 2002
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.22% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.97% | 0.08% | +8 bps | |
| Return on Equity | n/a | n/a | 0.03% | 0.00% | 0.00% | 0.00% | 12.79% | 0.51% | +51 bps | |
| Net Interest Margin | 3.96% | 5.20% | 5.40% | 4.99% | 4.48% | 3.25% | 4.90% | 3.22% | -176 bps | |
| Efficiency Ratio | 105.63% | 74.18% | 74.22% | 76.46% | 79.76% | 91.37% | 57.31% | 95.56% | +1,909 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.23% | -0.91% | -7.30% | -5.77% | -1.98% | -3.36% | 6.79% | 2.17% | +794 bps | |
| Loan Growth (YoY) | -17.00% | -8.58% | 1.09% | 3.59% | -12.63% | -29.55% | -30.59% | -19.63% | -2,322 bps | |
| Share Growth (YoY) | -13.20% | -1.25% | -6.62% | -4.86% | -1.48% | -1.53% | 9.35% | 4.36% | +922 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.73% | 1.06% | 1.22% | 0.87% | 9.85% | 0.68% | 0.85% | 8.50% | +763 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 | 4.57% | 0.59% | 1.44% | 2.33% | 3.42% | 4.32% | 4.50% | 4.01% | +168 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 16.38% | 16.45% | 15.74% | 15.56% | 15.39% | 16.19% | -27 bps | |
| Net Worth / Assets | n/a | n/a | 16.38% | 16.45% | 15.74% | 15.56% | 15.39% | 16.19% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.51% | 91.39% | 96.57% | 94.02% | 75.83% | 65.39% | 61.29% | 72.40% | -2,162 bps | |
| Liquid Assets / Assets | 28.37% | 11.76% | 12.35% | 22.05% | 37.10% | 45.43% | 41.70% | 39.31% | +1,726 bps | |