Beaumont, TX · Charter 67600
Q2 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.22% | 3.30% | 3.06% | 3.35% | 0.92% | 0.51% | 0.80% | 0.77% | -259 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 4.46% | 4.73% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 5.36% | 5.11% | 5.47% | 4.61% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 81.25% | 87.78% | 83.97% | 84.50% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.28% | 8.08% | 17.21% | 16.55% | 13.39% | 11.97% | 0.35% | 7.74% | -881 bps | |
| Loan Growth (YoY) | 11.23% | 8.42% | 0.68% | 8.41% | 11.06% | 13.23% | 17.92% | 2.95% | -547 bps | |
| Share Growth (YoY) | 4.09% | 6.86% | 19.25% | 18.94% | 14.96% | 12.85% | -1.68% | 7.50% | -1,144 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.22% | 1.01% | 1.27% | 0.27% | 0.44% | 0.40% | 1.27% | 1.60% | +132 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 | 0.90% | 0.94% | 1.06% | 0.68% | 0.48% | 0.36% | 0.57% | 0.71% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 17.93% | 16.23% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 17.93% | 16.23% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.99% | 96.37% | 84.72% | 85.01% | 96.60% | 96.70% | 101.61% | 81.40% | -360 bps | |
| Liquid Assets / Assets | 14.73% | 10.27% | 20.79% | 20.72% | 10.62% | 12.52% | 11.17% | 27.05% | +633 bps | |