Arlington, TX · Charter 67572
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.24% | 2.96% | 3.08% | 3.14% | 3.03% | 0.37% | 0.44% | 0.51% | -264 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 2.69% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.58% | 4.62% | 4.88% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 83.59% | 77.30% | 78.82% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.87% | -2.17% | -4.35% | -5.68% | -5.93% | -2.39% | -0.99% | -3.07% | +261 bps | |
| Loan Growth (YoY) | -10.18% | -9.85% | -15.68% | -12.21% | -0.74% | 13.50% | 12.98% | 8.44% | +2,065 bps | |
| Share Growth (YoY) | -0.73% | -6.73% | -6.43% | -7.88% | -7.05% | -1.50% | -2.23% | -4.01% | +387 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 1.55% | 0.71% | 0.09% | 1.05% | 1.79% | 2.11% | 0.34% | +26 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 | 1.01% | 0.82% | 0.95% | 0.57% | 0.76% | 1.02% | 1.35% | 1.00% | +43 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 18.90% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 18.90% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.13% | 84.83% | 77.71% | 83.07% | 91.98% | 97.76% | 89.81% | 93.85% | +1,078 bps | |
| Liquid Assets / Assets | 28.06% | 25.46% | 32.00% | 27.29% | 22.86% | 16.72% | 24.60% | 23.50% | -379 bps | |