Fort Worth, TX · Charter 6996
Q2 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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.54% | 3.51% | 3.57% | 4.30% | 4.38% | 3.93% | 3.89% | 1.67% | -264 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 | 0.70% | 0.39% | 13.59% | 8.90% | 16.79% | 14.96% | -1.26% | -1,486 bps | |
| Loan Growth (YoY) | n/a | 3.11% | -1.73% | 7.90% | 2.34% | -4.70% | 0.71% | -4.25% | -1,215 bps | |
| Share Growth (YoY) | n/a | 0.10% | 2.21% | 12.24% | 7.61% | 16.57% | 15.00% | -1.37% | -1,361 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.65% | 1.56% | 2.66% | 3.41% | 1.92% | 2.64% | 4.58% | 1.92% | -149 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 | 1.89% | 1.66% | 2.48% | 2.21% | 1.87% | 1.63% | 2.04% | 1.09% | -112 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 | 96.48% | 96.27% | 99.80% | 87.63% | 91.76% | 78.70% | 87.40% | 85.07% | -256 bps | |
| Liquid Assets / Assets | 3.34% | 5.29% | 1.93% | 13.90% | 7.80% | 15.95% | 8.67% | 10.09% | -382 bps | |