Dallas, TX · Charter 67453
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.20% | 2.81% | 2.72% | 3.41% | 3.52% | 2.99% | 3.10% | 2.48% | -93 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 | -7.32% | -2.66% | -12.75% | -8.40% | -9.54% | -10.49% | -7.22% | +553 bps | |
| Loan Growth (YoY) | n/a | 23.41% | 0.90% | -16.01% | -19.59% | -27.36% | -36.45% | -38.56% | -2,254 bps | |
| Share Growth (YoY) | n/a | -8.24% | -3.23% | -15.35% | -10.42% | -11.41% | -12.57% | -8.71% | +664 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.62% | 2.04% | 0.12% | 0.33% | 0.00% | 1.76% | 1.23% | 1.81% | +148 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 | 1.53% | 1.96% | 1.05% | 1.56% | 1.52% | 1.86% | 1.45% | 1.61% | +5 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 | 77.77% | 69.75% | 73.86% | 74.36% | 69.80% | 57.20% | 53.69% | 50.04% | -2,431 bps | |
| Liquid Assets / Assets | 30.45% | 36.75% | 35.07% | 40.26% | 35.04% | 46.34% | 50.68% | 53.70% | +1,344 bps | |