Houston, TX · Charter 15360
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 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 15360
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 | 3.05% | 2.95% | 3.11% | 2.87% | 3.30% | 3.22% | 3.10% | -130.49% | -13,336 bps | |
| Return on Equity | 16.66% | 16.57% | 16.49% | 14.39% | 15.67% | 15.03% | 13.93% | n/a | n/a | |
| Net Interest Margin | 6.56% | 6.19% | 6.44% | 6.18% | 6.66% | 6.53% | 6.69% | 9.12% | +294 bps | |
| Efficiency Ratio | 52.92% | 51.74% | 51.03% | 52.49% | 50.28% | 50.81% | 53.91% | 1065% | +101,296 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.99% | 3.06% | 0.45% | 2.79% | 3.38% | -1.79% | -1.29% | -23.06% | -2,586 bps | |
| Loan Growth (YoY) | 7.11% | 24.11% | 20.92% | 13.87% | 15.94% | -2.90% | -6.18% | -1.62% | -1,549 bps | |
| Share Growth (YoY) | -5.85% | 1.10% | -3.98% | -0.77% | 0.77% | -5.76% | -4.25% | -9.91% | -914 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.83% | 0.34% | 0.06% | 0.67% | 0.98% | 1.03% | 2.93% | +286 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 | 0.33% | 0.27% | 0.29% | 0.34% | 0.33% | 0.33% | 0.26% | 21.78% | +2,143 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.30% | 17.81% | 18.88% | 19.96% | 21.08% | 21.43% | 22.23% | -3.57% | -2,352 bps | |
| Net Worth / Assets | 18.30% | 17.81% | 18.88% | 19.96% | 21.08% | 21.43% | 22.23% | -3.57% | -2,352 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.98% | 94.71% | 98.43% | 96.19% | 100.08% | 97.59% | 96.45% | 105.04% | +885 bps | |
| Liquid Assets / Assets | 29.10% | 22.15% | 20.66% | 23.22% | 20.74% | 23.20% | 24.65% | 1.29% | -2,193 bps | |