Odessa, TX · Charter 7901
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -9.80% | -7.75% | 0.39% | 0.25% | 0.14% | 0.22% | 0.06% | -0.12% | -36 bps | |
| Return on Equity | -173.15% | -111.66% | 5.31% | 3.22% | 1.77% | 2.62% | 0.65% | -1.13% | -435 bps | |
| Net Interest Margin | 2.47% | 2.74% | 3.04% | 3.00% | 2.95% | 3.26% | 3.47% | 3.87% | +86 bps | |
| Efficiency Ratio | n/a | n/a | 87.37% | 91.92% | 95.48% | 93.40% | 98.36% | 102.91% | +1,099 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.41% | -14.97% | -22.22% | -19.92% | -15.19% | -15.23% | -15.80% | -24.36% | -443 bps | |
| Loan Growth (YoY) | -25.06% | -25.61% | -24.76% | -20.86% | -20.57% | -17.48% | -21.86% | -25.05% | -419 bps | |
| Share Growth (YoY) | -2.88% | -8.46% | -18.70% | -21.78% | -17.61% | -17.47% | -17.16% | -26.42% | -464 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.16% | 1.63% | 2.54% | 0.89% | 1.09% | 1.43% | 2.20% | 0.86% | -2 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 | 3.36% | 1.77% | 1.91% | 1.70% | 1.79% | 1.80% | 1.22% | 1.34% | -36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.66% | 6.94% | 7.37% | 7.69% | 7.73% | 8.41% | 8.88% | 10.21% | +252 bps | |
| Net Worth / Assets | 5.66% | 6.94% | 7.37% | 7.69% | 7.73% | 8.41% | 8.88% | 10.21% | +252 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.73% | 45.77% | 45.18% | 43.50% | 42.16% | 45.76% | 42.62% | 44.31% | +81 bps | |
| Liquid Assets / Assets | 57.38% | 57.09% | 9.98% | 15.48% | 13.30% | 57.83% | 42.02% | 46.33% | +3,085 bps | |