Stafford, TX · Charter 67543
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Stafford, TX · Charter 67543
Q2 2001
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.31% | 4.21% | 4.04% | 2.88% | -1.19% | 0.53% | -0.69% | -1.07% | -396 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -7.10% | -11.67% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.60% | 5.56% | 5.37% | 4.42% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 91.74% | 84.81% | 89.97% | 121.72% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.01% | 29.99% | 19.62% | 17.64% | 3.68% | -4.99% | -11.07% | -16.18% | -3,383 bps | |
| Loan Growth (YoY) | -6.06% | -13.41% | -11.01% | -15.08% | 25.35% | 26.19% | 12.98% | 1.95% | +1,704 bps | |
| Share Growth (YoY) | 25.03% | 31.03% | 19.49% | 16.46% | 5.01% | -4.93% | -10.73% | -14.24% | -3,070 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.84% | 1.24% | 1.55% | 6.87% | 2.91% | 2.03% | 2.53% | 5.51% | -136 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 | 1.19% | 1.28% | 1.16% | 1.24% | 1.58% | 1.28% | 2.60% | 3.28% | +203 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 9.68% | 9.19% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 9.68% | 9.19% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.80% | 67.19% | 66.32% | 58.66% | 83.32% | 89.18% | 83.94% | 69.74% | +1,108 bps | |
| Liquid Assets / Assets | 31.22% | 29.98% | 30.35% | 29.42% | 16.74% | 0.00% | 24.37% | 36.94% | +752 bps | |