Reese AFB, TX · Charter 6889
Q2 1997
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 3.65% | 3.71% | 4.35% | 4.26% | 4.14% | 3.65% | 3.65% | -71 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | 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 | n/a | 10.70% | 8.90% | 8.58% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 8.89% | 8.38% | 4.06% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 12.20% | 8.95% | 9.02% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 0.47% | 0.82% | 1.03% | 0.90% | 0.96% | 1.30% | 1.05% | +2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.07% | 1.13% | 0.98% | 0.96% | 0.88% | 0.90% | 1.10% | +12 bps | |
| Capital | |||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||||
| Loans / Shares | 77.26% | 75.19% | 72.60% | 74.74% | 74.98% | 74.79% | 69.30% | -330 bps | |
| Liquid Assets / Assets | 19.14% | 22.96% | 23.94% | 21.87% | 8.79% | 19.68% | 14.69% | -924 bps | |