Orange, TX · Charter 67455
Q2 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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.30% | 3.18% | 3.40% | 2.19% | -0.43% | 2.89% | 3.37% | 2.98% | +79 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 | -3.08% | -7.40% | -2.80% | -6.52% | -6.64% | -0.59% | -9.84% | -704 bps | |
| Loan Growth (YoY) | n/a | -9.27% | 1.16% | 10.46% | 2.17% | 5.71% | 15.84% | -100.00% | -11,046 bps | |
| Share Growth (YoY) | n/a | -5.94% | -7.23% | -3.48% | -8.21% | -7.99% | -4.55% | -12.01% | -853 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 4.69% | 4.25% | 3.90% | 2.90% | 2.66% | 0.00% | n/a | n/a | |
| 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 | 0.62% | 0.72% | 0.89% | 1.04% | 1.06% | 1.05% | 1.03% | n/a | n/a | |
| 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 | 54.28% | 58.54% | 53.97% | 52.17% | 60.41% | 67.26% | 65.50% | 0.00% | -5,217 bps | |
| Liquid Assets / Assets | 48.85% | 25.05% | 50.64% | 48.33% | 43.26% | 40.35% | 42.16% | 0.59% | -4,775 bps | |