Waxahachie, TX · Charter 67504
Q2 2005
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.60% | -0.20% | -0.40% | -0.18% | -0.36% | -1.66% | -40.62% | -4,022 bps | |
| Return on Equity | 3.03% | 2.59% | -0.85% | -1.68% | -0.78% | -1.34% | -5.89% | -512% | -51,010 bps | |
| Net Interest Margin | 3.09% | 3.00% | 2.58% | 2.41% | 2.48% | 3.02% | 2.80% | -36.43% | -3,884 bps | |
| Efficiency Ratio | 64.20% | 66.12% | 91.45% | 107.67% | 99.87% | 94.51% | 93.61% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.38% | 2.10% | 3.35% | 1.00% | -1.72% | -15.45% | -17.79% | -16.67% | -1,767 bps | |
| Loan Growth (YoY) | -13.24% | -3.22% | -0.95% | 1.49% | 0.37% | -8.90% | -18.70% | -32.08% | -3,357 bps | |
| Share Growth (YoY) | 1.83% | 1.92% | 2.43% | -1.48% | -3.59% | -19.77% | -22.43% | 0.54% | +202 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.96% | 1.81% | 1.10% | 1.99% | 1.93% | 3.40% | 4.16% | 6.76% | +477 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 | 1.77% | 1.95% | 2.24% | 1.62% | 1.58% | 1.67% | 2.56% | 3.53% | +191 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.04% | 23.34% | 23.81% | 23.65% | 23.38% | 27.24% | 28.23% | 7.94% | -1,572 bps | |
| Net Worth / Assets | 23.04% | 23.34% | 23.81% | 23.65% | 23.38% | 27.24% | 28.23% | 7.94% | -1,572 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.81% | 72.09% | 71.69% | 75.95% | 72.69% | 81.85% | 75.14% | 51.31% | -2,464 bps | |
| Liquid Assets / Assets | 45.61% | 44.97% | 38.47% | 34.82% | 19.84% | 20.05% | 25.13% | 36.72% | +190 bps | |