Odessa, TX · Charter 68177
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 3.55% | 2.53% | 3.68% | 2.18% | -0.31% | 0.53% | 2.07% | -161 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 | n/a | 104.02% | 73.51% | 79.97% | 30.23% | -13.04% | -11,706 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 863% | 289% | 211% | 168.22% | 91.08% | -77,161 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 96.75% | 71.58% | 78.05% | 28.20% | -12.72% | -10,947 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.43% | 5.69% | 4.48% | 3.67% | 1.62% | 1.32% | 0.40% | -409 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 | 2.08% | 2.23% | 3.95% | 1.82% | 2.15% | 2.98% | 4.11% | 3.10% | +128 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 | 19.91% | 28.75% | 26.08% | 35.56% | 45.12% | 50.23% | 54.57% | 77.85% | +4,229 bps | |
| Liquid Assets / Assets | 75.31% | 69.23% | 71.45% | 58.28% | 52.38% | 43.04% | 42.00% | 21.32% | -3,696 bps | |