San Antonio, TX · Charter 67526
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 | 3.10% | 3.28% | 3.55% | 3.19% | 3.32% | 2.94% | 3.19% | 2.66% | -54 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 | -13.24% | -5.73% | -7.61% | -8.15% | -13.43% | -14.11% | -11.44% | -383 bps | |
| Loan Growth (YoY) | n/a | -21.53% | -17.87% | -13.50% | -12.50% | -2.01% | -11.53% | -6.71% | +680 bps | |
| Share Growth (YoY) | n/a | -13.59% | -8.50% | -11.25% | -12.07% | -18.32% | -19.08% | -15.74% | -449 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.39% | 0.97% | 1.04% | 3.00% | 2.16% | 2.05% | 2.18% | 3.58% | +59 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 | 1.41% | 1.09% | 1.19% | 1.17% | 1.19% | 1.06% | 1.13% | 1.11% | -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 | 96.36% | 86.95% | 93.28% | 90.63% | 95.89% | 104.32% | 101.99% | 100.34% | +972 bps | |
| Liquid Assets / Assets | 18.19% | 24.52% | 23.97% | 25.79% | 23.45% | 15.18% | 14.79% | 19.06% | -673 bps | |