Houston, TX · Charter 19613
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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 19613
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 1.47% | 1.98% | 2.07% | 0.34% | 0.93% | 1.46% | 1.28% | -78 bps | |
| Return on Equity | 8.21% | 19.92% | 25.52% | 25.33% | 4.80% | 11.60% | 17.56% | 15.22% | -1,011 bps | |
| Net Interest Margin | 1.50% | 3.18% | 3.13% | 3.11% | 1.29% | 3.12% | 2.94% | 2.58% | -53 bps | |
| Efficiency Ratio | 66.69% | 56.70% | 41.62% | 38.53% | 78.15% | 72.57% | 54.15% | 54.00% | +1,547 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.00% | -2.88% | 3.54% | 6.18% | 2.57% | 0.54% | -0.93% | -1.73% | -791 bps | |
| Loan Growth (YoY) | -3.93% | 6.28% | 17.58% | 5.80% | -6.33% | -14.53% | -18.71% | -23.83% | -2,963 bps | |
| Share Growth (YoY) | 0.60% | -3.74% | 3.02% | 5.58% | 1.88% | -0.34% | -2.17% | -3.03% | -861 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.00% | 0.00% | 3.24% | 4.39% | 3.33% | 3.19% | 2.85% | -38 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 | 0.21% | 0.22% | 0.22% | 0.22% | 0.23% | 0.25% | 0.27% | 0.29% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.81% | 7.38% | 7.75% | 8.16% | 6.98% | 7.98% | 8.31% | 8.44% | +27 bps | |
| Net Worth / Assets | 6.81% | 7.38% | 7.75% | 8.16% | 6.98% | 7.98% | 8.31% | 8.44% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.65% | 38.61% | 36.39% | 35.52% | 35.53% | 33.11% | 30.23% | 27.90% | -762 bps | |
| Liquid Assets / Assets | 62.93% | 62.39% | 64.78% | 65.68% | 66.01% | 67.72% | 70.71% | 72.88% | +720 bps | |