Texas City, TX · Charter 67497
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.01% | 3.51% | 4.17% | 2.89% | 2.31% | -1.47% | -3.48% | -2.94% | -582 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -21.14% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 6.94% | 7.11% | 7.40% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 68.05% | 72.03% | 73.40% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.72% | -10.37% | -16.15% | -3.55% | 1.59% | 6.72% | 12.04% | -11.03% | -747 bps | |
| Loan Growth (YoY) | 22.40% | -12.92% | -23.49% | -19.97% | -1.04% | 12.88% | 15.08% | 1.97% | +2,194 bps | |
| Share Growth (YoY) | 3.27% | -7.61% | -20.31% | -4.07% | 2.42% | 9.68% | 19.78% | -8.53% | -445 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.54% | 3.95% | 3.76% | 2.63% | 3.86% | 5.77% | 4.59% | 3.14% | +51 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 | 2.19% | 2.45% | 1.84% | 1.74% | 2.81% | 3.43% | 3.73% | 4.49% | +275 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 13.89% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 13.89% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 108.76% | 109.97% | 107.35% | 97.02% | 105.08% | 113.18% | 103.14% | 108.15% | +1,113 bps | |
| Liquid Assets / Assets | 8.67% | 8.53% | 10.74% | 13.04% | 10.38% | 3.04% | 10.77% | 8.97% | -407 bps | |