Houston, TX · Charter 17486
Q1 2008
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.83% | 0.83% | 0.78% | 0.75% | 0.91% | 0.93% | 0.74% | -4 bps | |
| Return on Equity | 6.15% | 6.43% | 6.44% | 6.03% | 5.83% | 6.66% | 6.71% | 5.34% | -69 bps | |
| Net Interest Margin | 2.56% | 2.77% | 2.79% | 2.97% | 2.99% | 3.22% | 3.27% | 3.13% | +16 bps | |
| Efficiency Ratio | 78.22% | 77.00% | 77.10% | 79.12% | 80.28% | 77.69% | 77.46% | 81.37% | +225 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.67% | 3.25% | 3.43% | 1.72% | 0.00% | 0.82% | -0.71% | 0.23% | -150 bps | |
| Loan Growth (YoY) | 2.46% | 2.34% | -1.17% | -1.17% | -1.93% | -3.20% | -3.30% | -5.92% | -475 bps | |
| Share Growth (YoY) | 10.10% | 3.03% | 3.47% | 0.99% | -0.64% | 0.00% | -2.14% | -0.65% | -164 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.36% | 0.06% | 0.09% | 0.23% | 0.22% | 0.21% | 0.27% | +18 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 | 0.28% | 0.27% | 0.25% | 0.27% | 0.23% | 0.23% | 0.18% | 0.17% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.02% | 12.83% | 12.90% | 12.92% | 12.82% | 13.63% | 13.92% | 13.80% | +87 bps | |
| Net Worth / Assets | 12.02% | 12.83% | 12.90% | 12.92% | 12.82% | 13.63% | 13.92% | 13.80% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.23% | 28.69% | 27.88% | 27.41% | 26.88% | 27.77% | 27.55% | 25.96% | -145 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |