Houston, TX · Charter 11516
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Houston, TX · Charter 11516
Q2 2006
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.05% | 0.51% | 0.26% | 0.16% | 0.03% | 0.01% | -0.35% | -62 bps | |
| Return on Equity | 2.75% | 0.28% | 2.91% | 1.52% | 0.90% | 0.18% | 0.08% | -1.80% | -332 bps | |
| Net Interest Margin | 3.80% | 4.15% | 3.96% | 4.02% | 3.97% | 3.92% | 4.19% | 4.21% | +18 bps | |
| Efficiency Ratio | 88.07% | 98.88% | 88.20% | 93.74% | 96.21% | 99.21% | 99.65% | 108.36% | +1,462 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.14% | -5.15% | -7.57% | -4.07% | -4.62% | -3.36% | -9.27% | -11.92% | -785 bps | |
| Loan Growth (YoY) | -6.17% | -1.49% | -3.53% | -16.29% | -15.03% | -20.21% | -30.73% | -20.38% | -409 bps | |
| Share Growth (YoY) | -7.37% | -5.81% | -9.14% | -4.80% | -5.39% | -4.17% | -10.95% | -13.94% | -913 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.17% | 5.15% | 6.20% | 3.44% | 1.98% | 2.08% | 2.21% | 1.85% | -159 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 | 1.64% | 1.79% | 1.86% | 1.93% | 1.82% | 2.12% | 2.54% | 2.43% | +50 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.49% | 16.79% | 17.58% | 17.39% | 17.34% | 17.46% | 19.34% | 19.52% | +212 bps | |
| Net Worth / Assets | 16.49% | 16.79% | 17.58% | 17.39% | 17.34% | 17.46% | 19.34% | 19.52% | +212 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.78% | 72.52% | 73.11% | 65.52% | 68.96% | 60.37% | 56.87% | 60.61% | -491 bps | |
| Liquid Assets / Assets | 35.67% | 39.58% | 39.96% | 46.13% | 43.21% | 50.56% | 54.21% | 0.00% | -4,613 bps | |