Houston, TX · Charter 18215
Q2 1997
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 5.08% | 4.95% | 4.56% | 5.07% | 4.16% | 4.40% | 1.88% | -268 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -13.81% | -17.79% | -49.50% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -26.15% | -18.79% | -41.01% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -19.60% | -24.15% | -60.85% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 1.11% | 1.72% | 1.49% | 1.63% | 3.09% | 3.39% | 3.78% | +229 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.94% | 2.24% | 2.51% | 1.80% | 2.04% | 1.80% | 1.98% | -54 bps | |
| Capital | |||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||||
| Loans / Shares | 87.09% | 79.93% | 72.27% | 78.04% | 80.00% | 85.57% | 108.89% | +3,662 bps | |
| Liquid Assets / Assets | 18.31% | 30.88% | 28.01% | 36.52% | 32.49% | 32.55% | 23.72% | -429 bps | |