Houston, TX · Charter 17559
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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 17559
Q2 2000
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.13% | 4.59% | 4.56% | 3.47% | 3.14% | 1.07% | -2.70% | 0.72% | -276 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 | 5.62% | 5.75% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 95.16% | 67.53% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.09% | 1.48% | -9.51% | -10.78% | -6.24% | -10.08% | -6.13% | -8.57% | +222 bps | |
| Loan Growth (YoY) | -1.29% | -3.84% | 1.99% | 14.67% | 19.08% | 9.98% | -5.63% | -14.88% | -2,955 bps | |
| Share Growth (YoY) | -0.54% | 1.61% | -6.51% | -10.10% | -7.39% | -7.30% | -3.96% | -4.66% | +544 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.60% | 6.11% | 3.63% | 5.50% | 7.69% | 6.29% | 10.44% | 12.20% | +670 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 | 4.51% | 3.69% | 3.24% | 1.69% | 1.16% | 1.66% | 4.80% | 3.97% | +229 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 | 63.87% | 65.17% | 78.63% | 83.77% | 82.12% | 77.32% | 77.26% | 74.79% | -898 bps | |
| Liquid Assets / Assets | 39.09% | 38.94% | 25.03% | 21.20% | 17.84% | 22.38% | 23.42% | 0.00% | -2,120 bps | |