Fort Worth, TX · Charter 67569
Q2 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | -1.81% | -1.30% | -0.37% | -0.21% | -0.09% | -32.57% | -74.78% | -7,441 bps | |
| Return on Equity | 2.36% | -6.62% | -4.79% | -1.36% | -0.75% | -0.31% | -103.40% | -536% | -53,467 bps | |
| Net Interest Margin | 5.67% | 4.39% | 4.66% | 4.65% | 4.62% | 4.76% | 5.56% | 5.91% | +126 bps | |
| Efficiency Ratio | 78.86% | 105.18% | 97.43% | 100.56% | 104.34% | 98.16% | 100.99% | 171.66% | +7,110 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.27% | -13.24% | -6.91% | -2.49% | -2.13% | -6.61% | -31.64% | -46.33% | -4,384 bps | |
| Loan Growth (YoY) | -40.26% | -24.16% | -21.15% | -24.56% | -20.05% | -25.88% | -26.44% | -27.90% | -335 bps | |
| Share Growth (YoY) | -16.35% | -16.11% | -7.36% | -2.22% | -0.51% | -7.59% | -35.40% | -36.19% | -3,397 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.03% | 4.81% | 5.42% | 2.14% | 7.46% | 0.67% | 43.90% | 59.48% | +5,734 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 | 4.20% | 3.89% | 5.76% | 5.42% | 5.74% | 5.88% | 23.22% | 60.11% | +5,468 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 28.64% | 27.41% | 27.19% | 27.46% | 27.81% | 28.85% | 31.50% | 13.95% | -1,351 bps | |
| Net Worth / Assets | 28.64% | 27.41% | 27.19% | 27.46% | 27.81% | 28.85% | 31.50% | 13.95% | -1,351 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.24% | 69.99% | 63.35% | 56.00% | 54.04% | 56.13% | 72.14% | 63.27% | +727 bps | |
| Liquid Assets / Assets | 40.35% | 48.94% | 47.64% | 41.85% | 42.35% | 36.93% | 19.70% | 69.80% | +2,795 bps | |