Houston, TX · Charter 15284
Q1 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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.50% | -2.57% | -2.98% | -2.70% | -0.96% | -1.03% | -0.89% | 1.04% | +373 bps | |
| Return on Equity | -12.92% | -12.34% | -14.22% | -11.08% | -3.87% | -4.44% | -3.98% | 4.81% | +1,590 bps | |
| Net Interest Margin | 3.82% | 4.44% | 4.90% | 5.47% | 5.83% | 5.73% | 5.88% | 6.49% | +102 bps | |
| Efficiency Ratio | 165.33% | 157.87% | 153.03% | 149.05% | 116.50% | 117.72% | 114.90% | 84.04% | -6,501 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.82% | -11.13% | -16.04% | -30.36% | -29.01% | -16.58% | -9.53% | 13.15% | +4,352 bps | |
| Loan Growth (YoY) | -30.39% | -5.28% | -4.34% | 3.15% | -12.08% | 4.12% | -4.80% | 13.50% | +1,035 bps | |
| Share Growth (YoY) | -2.78% | -9.41% | -17.06% | -34.85% | -34.03% | -19.25% | -11.56% | 16.91% | +5,175 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.34% | 3.76% | 0.00% | 3.96% | 0.00% | 0.00% | 0.00% | 0.00% | -396 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 | 3.88% | 3.37% | 3.48% | 3.70% | 4.39% | 3.21% | 3.66% | 3.26% | -44 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.38% | 20.85% | 20.95% | 24.33% | 24.96% | 23.14% | 22.27% | 21.51% | -282 bps | |
| Net Worth / Assets | 19.38% | 20.85% | 20.95% | 24.33% | 24.96% | 23.14% | 22.27% | 21.51% | -282 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.70% | 36.01% | 36.23% | 42.59% | 36.92% | 46.43% | 38.99% | 41.35% | -124 bps | |
| Liquid Assets / Assets | 73.82% | 71.48% | 66.84% | 67.92% | 72.45% | 64.84% | 69.93% | 67.98% | +6 bps | |