Galveston, TX · Charter 11064
Q4 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.86% | 3.26% | 2.44% | 2.22% | -1.07% | -5.59% | -30.20% | -22.44% | -2,466 bps | |
| Return on Equity | 17.32% | 12.68% | 7.80% | 7.13% | -3.28% | -19.12% | -250% | -178.83% | -18,596 bps | |
| Net Interest Margin | 10.68% | 11.26% | 12.27% | 11.62% | 10.34% | 9.49% | 9.91% | 10.38% | -124 bps | |
| Efficiency Ratio | 63.96% | 71.20% | 80.20% | 81.06% | 110.30% | 98.56% | 105.53% | 100.35% | +1,929 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.58% | -19.26% | -30.48% | -28.73% | -30.40% | -18.51% | -8.32% | -10.26% | +1,847 bps | |
| Loan Growth (YoY) | -19.64% | -19.97% | -11.22% | -20.23% | -17.61% | -8.42% | -11.29% | 12.13% | +3,236 bps | |
| Share Growth (YoY) | -9.55% | -23.52% | -40.44% | -38.65% | -39.99% | -22.94% | 16.64% | 14.28% | +5,293 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.02% | 1.81% | 3.47% | 2.56% | 3.77% | 4.85% | 4.42% | 8.76% | +621 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 | 5.82% | 3.18% | 3.06% | 3.60% | 2.56% | 5.92% | 24.34% | 21.99% | +1,839 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.31% | 25.72% | 31.31% | 31.17% | 32.65% | 29.22% | 12.08% | 12.55% | -1,862 bps | |
| Net Worth / Assets | 22.31% | 25.72% | 31.31% | 31.17% | 32.65% | 29.22% | 12.08% | 12.55% | -1,862 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.19% | 102.10% | 144.99% | 126.56% | 125.20% | 121.34% | 110.27% | 124.17% | -238 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |