Lubbock, TX · Charter 68158
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.71% | 0.20% | -8.62% | -5.59% | -10.98% | 6.40% | -3.17% | +545 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 | 5.33% | 4.57% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 62.32% | 126.49% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 1788% | 827% | 3.30% | -10.73% | 64.10% | 61.40% | 69.34% | +6,604 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 3061% | -80.21% | -86.22% | -24.80% | 91.51% | -296,947 bps | |
| Share Growth (YoY) | n/a | 2028% | 843% | 3.11% | -9.54% | 65.62% | 65.92% | 71.65% | +6,854 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 37.62% | 34.68% | 81.57% | 85.80% | 100.00% | 0.00% | 0.00% | -8,157 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 | 0.00% | 4.98% | 20.07% | 10.31% | 13.97% | 85.30% | 25.22% | 15.88% | +557 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 | 28.60% | 45.78% | 22.53% | 14.25% | 6.26% | 3.81% | 10.21% | 15.90% | +165 bps | |
| Liquid Assets / Assets | 60.27% | 38.45% | 38.87% | 41.26% | 89.39% | 92.57% | 84.31% | 27.07% | -1,419 bps | |