Fort Worth, TX · Charter 68473
Q3 2005
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 1.68% | 1.17% | 0.99% | 0.87% | 0.54% | 0.56% | 0.55% | -44 bps | |
| Return on Equity | 11.17% | 21.37% | 14.59% | 12.28% | 10.84% | 6.28% | 6.39% | 6.12% | -616 bps | |
| Net Interest Margin | 2.77% | 4.19% | 3.49% | 3.28% | 3.07% | 2.90% | 2.90% | 2.85% | -43 bps | |
| Efficiency Ratio | 70.31% | 62.16% | 68.16% | 70.74% | 72.23% | 79.76% | 79.25% | 79.26% | +852 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.43% | 10.83% | 9.74% | 10.50% | 7.61% | -2.46% | -2.79% | -4.79% | -1,529 bps | |
| Loan Growth (YoY) | 1.47% | -2.02% | -0.18% | -3.24% | -0.46% | -1.59% | -4.12% | -3.22% | +2 bps | |
| Share Growth (YoY) | 5.27% | 2.53% | -0.34% | 1.58% | 0.95% | -4.45% | -7.04% | -7.52% | -910 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.50% | 0.36% | 0.38% | 0.49% | 0.43% | 0.45% | 0.51% | +13 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 | 0.42% | 0.43% | 0.38% | 0.39% | 0.41% | 0.39% | 0.42% | 0.43% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.68% | 7.84% | 7.99% | 8.06% | 8.01% | 8.67% | 8.83% | 9.03% | +97 bps | |
| Net Worth / Assets | 7.68% | 7.84% | 7.99% | 8.06% | 8.01% | 8.67% | 8.83% | 9.03% | +97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.36% | 101.01% | 105.24% | 103.90% | 101.91% | 104.03% | 108.55% | 108.73% | +482 bps | |
| Liquid Assets / Assets | 1.27% | 0.75% | 1.02% | 1.50% | 3.91% | 0.66% | 1.19% | 2.66% | +116 bps | |