Houston, TX · Charter 1620
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.62% | 2.67% | 3.15% | 2.57% | 2.58% | -2.62% | -6.97% | 1.56% | -101 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 9.72% | 4.63% | 1.80% | -1.31% | -24.99% | -40.66% | -45.44% | -4,723 bps | |
| Loan Growth (YoY) | n/a | 23.44% | 4.50% | 2.61% | -10.65% | -20.57% | -36.23% | -40.10% | -4,270 bps | |
| Share Growth (YoY) | n/a | 8.55% | 6.55% | 0.53% | -5.91% | -28.69% | -39.68% | -45.70% | -4,623 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.27% | 3.44% | 1.89% | 12.11% | 11.66% | 12.94% | 14.19% | +1,230 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 | 1.39% | 1.47% | 1.01% | 1.47% | 1.05% | 4.39% | 7.33% | 5.83% | +437 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.89% | 73.36% | 88.06% | 85.60% | 74.91% | 81.72% | 93.09% | 94.43% | +883 bps | |
| Liquid Assets / Assets | 25.68% | 33.06% | 22.88% | 18.46% | 9.12% | 26.62% | 16.60% | 13.95% | -451 bps | |