Garland, TX · Charter 67665
Q4 1998
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.36% | 4.49% | 4.26% | 4.01% | 4.13% | 3.78% | 2.98% | 0.98% | -303 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | 12.62% | 9.40% | 10.31% | 10.25% | 6.70% | 11.35% | +196 bps | |
| Loan Growth (YoY) | n/a | n/a | 15.38% | 9.98% | 8.44% | -3.36% | -11.88% | -10.24% | -2,022 bps | |
| Share Growth (YoY) | n/a | n/a | 10.64% | 7.21% | 8.86% | 7.68% | 4.12% | 13.77% | +656 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.29% | 1.95% | 1.41% | 0.87% | 0.49% | 0.63% | 0.64% | 0.17% | -70 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 | 1.27% | 1.33% | 1.45% | 1.17% | 1.10% | 1.37% | 1.07% | 1.20% | +3 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 | 77.51% | 82.51% | 81.44% | 82.58% | 77.21% | 74.05% | 68.93% | 65.16% | -1,743 bps | |
| Liquid Assets / Assets | 24.74% | 19.26% | 20.70% | 18.90% | 17.83% | 21.11% | 0.00% | 30.15% | +1,125 bps | |