Houston, TX · Charter 15048
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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 15048
Q3 2003
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 1.37% | 1.08% | 1.14% | 1.20% | 0.82% | 0.78% | 0.63% | -52 bps | |
| Return on Equity | 8.24% | 9.21% | 8.05% | 8.06% | 7.99% | 6.43% | 5.85% | 6.88% | -117 bps | |
| Net Interest Margin | 4.09% | 4.14% | 3.69% | 3.89% | 4.09% | 3.34% | 3.35% | 3.24% | -65 bps | |
| Efficiency Ratio | 69.59% | 67.18% | 70.52% | 69.99% | 68.53% | 73.55% | 74.38% | 79.53% | +953 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.92% | 5.61% | 19.92% | 16.43% | 13.80% | 28.17% | 7.51% | 9.50% | -693 bps | |
| Loan Growth (YoY) | 6.55% | -1.97% | -2.02% | -2.08% | 0.69% | 3.14% | -0.54% | -9.99% | -791 bps | |
| Share Growth (YoY) | -9.85% | 3.05% | 17.86% | 18.95% | 12.50% | 32.64% | 9.09% | 21.51% | +256 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.75% | 1.58% | 1.70% | 2.37% | 1.93% | 1.37% | 1.69% | 1.62% | -74 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 | 1.84% | 1.83% | 1.72% | 1.56% | 1.29% | 1.41% | 1.48% | 1.43% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.94% | 14.85% | 13.37% | 14.21% | 15.07% | 12.80% | 13.36% | 9.11% | -509 bps | |
| Net Worth / Assets | 14.94% | 14.85% | 13.37% | 14.21% | 15.07% | 12.80% | 13.36% | 9.11% | -509 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.67% | 56.20% | 49.23% | 52.64% | 54.30% | 43.70% | 44.88% | 38.99% | -1,365 bps | |
| Liquid Assets / Assets | 46.46% | 42.19% | 43.52% | 41.96% | 37.71% | 46.54% | 48.94% | 52.73% | +1,077 bps | |