Del Rio, TX · Charter 67944
Q4 1999
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.84% | 3.78% | 5.25% | 4.65% | 5.15% | 4.44% | 4.60% | 0.43% | -422 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 | 3.45% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 59.17% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.41% | 29.02% | 23.11% | 53.50% | 56.50% | 87.94% | 132.15% | 126.67% | +7,317 bps | |
| Loan Growth (YoY) | 10.70% | 18.96% | 22.42% | 42.15% | 61.04% | 83.02% | 125.16% | 160.02% | +11,787 bps | |
| Share Growth (YoY) | 14.12% | 26.80% | 24.98% | 55.66% | 58.17% | 93.13% | 148.49% | 132.32% | +7,666 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.61% | 1.40% | 0.51% | 0.03% | 3.00% | 1.57% | 2.94% | 3.04% | +301 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 | 0.63% | 0.50% | 0.62% | 0.68% | 1.15% | 1.44% | 1.43% | 1.90% | +122 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 | 87.89% | 101.73% | 108.10% | 90.22% | 89.48% | 96.40% | 97.95% | 100.98% | +1,076 bps | |
| Liquid Assets / Assets | 18.17% | 8.83% | 3.26% | 16.40% | 12.48% | 9.50% | 3.64% | 1.83% | -1,457 bps | |