Stephenville, TX · Charter 67533
Q4 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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.71% | 6.57% | 4.19% | 3.76% | 6.83% | -0.80% | 3.01% | 0.46% | -330 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 | 5.72% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 81.91% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.03% | -5.69% | 5.95% | 14.84% | 25.56% | 21.28% | 15.43% | -5.10% | -1,993 bps | |
| Loan Growth (YoY) | 71.06% | 50.11% | 30.14% | 27.35% | 21.27% | 13.83% | 2.86% | -7.53% | -3,488 bps | |
| Share Growth (YoY) | -18.86% | -10.76% | 6.27% | 16.00% | 27.98% | 35.09% | 27.64% | -0.81% | -1,681 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.08% | 2.23% | 3.23% | 8.80% | 10.67% | 6.31% | 3.04% | 12.92% | +412 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 | 2.33% | 2.27% | 3.03% | 3.22% | 3.55% | 7.07% | 7.04% | 7.97% | +475 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 | 80.53% | 92.91% | 79.97% | 78.89% | 76.30% | 78.29% | 64.44% | 73.54% | -535 bps | |
| Liquid Assets / Assets | 26.89% | 17.87% | 27.02% | 23.85% | 27.88% | 26.73% | 37.24% | 28.88% | +503 bps | |