Yoakum, TX · Charter 67524
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 | 1.36% | 4.32% | 3.89% | 3.86% | 1.70% | 2.69% | 3.87% | 1.00% | -287 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 | -12.17% | -9.32% | -6.97% | 0.91% | -1.71% | -7.98% | -13.30% | -633 bps | |
| Loan Growth (YoY) | n/a | 56.29% | 64.19% | 64.81% | 13.94% | -14.88% | -25.02% | -26.06% | -9,087 bps | |
| Share Growth (YoY) | n/a | -16.34% | -12.76% | -10.14% | 0.62% | 0.00% | -4.73% | -11.21% | -107 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.85% | 7.48% | 8.34% | 7.10% | 13.84% | 34.99% | 22.19% | 54.83% | +4,773 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 | 4.87% | 3.73% | 4.12% | 4.27% | 6.03% | 7.10% | 11.38% | 11.96% | +768 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 | 92.71% | 112.13% | 116.14% | 106.29% | 104.98% | 95.46% | 91.41% | 88.52% | -1,777 bps | |
| Liquid Assets / Assets | 27.97% | 11.10% | 3.37% | 2.55% | 11.17% | 10.92% | 13.02% | 26.96% | +2,441 bps | |