Dallas, TX · Charter 67528
Q4 1997
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.83% | 3.20% | 1.05% | 0.49% | -0.14% | 0.22% | -0.01% | 0.21% | -27 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 | n/a | n/a | n/a | -1.61% | -16.26% | -11.39% | -11.49% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -49.91% | -45.45% | -10.90% | -3.08% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -0.03% | -16.83% | -9.18% | -9.87% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.64% | 2.56% | 6.36% | 14.93% | 4.15% | 2.62% | 0.13% | 0.00% | -1,493 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 | 2.26% | 2.85% | 3.85% | 4.86% | 4.43% | 1.69% | 1.53% | 1.76% | -310 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 | 84.35% | 65.34% | 54.45% | 42.66% | 42.26% | 42.85% | 53.41% | 45.87% | +321 bps | |
| Liquid Assets / Assets | 18.04% | 18.11% | 20.69% | 21.36% | 20.39% | 48.55% | 39.60% | 40.89% | +1,953 bps | |