Houston, TX · Charter 2012
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 2012
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 | 0.23% | -0.63% | -0.59% | -0.61% | -0.87% | -2.10% | -1.35% | -1.01% | -40 bps | |
| Return on Equity | 2.65% | -7.47% | -7.24% | -7.41% | -10.44% | -26.15% | -17.04% | -12.22% | -481 bps | |
| Net Interest Margin | 3.56% | 3.02% | 2.97% | 3.01% | 3.18% | 2.72% | 2.82% | 3.08% | +7 bps | |
| Efficiency Ratio | 89.64% | 101.84% | 103.08% | 106.95% | 108.04% | 120.78% | 118.20% | 113.30% | +635 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.50% | -1.94% | 0.47% | -4.97% | -7.25% | -8.58% | -10.73% | -13.36% | -839 bps | |
| Loan Growth (YoY) | -0.66% | 8.45% | 5.53% | 12.11% | 10.09% | 0.35% | 1.57% | -5.43% | -1,754 bps | |
| Share Growth (YoY) | -3.47% | -2.73% | 0.82% | -5.18% | -7.19% | -7.89% | -10.82% | -13.29% | -812 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.27% | 1.71% | 1.47% | 1.96% | 2.09% | 2.85% | 2.66% | 2.10% | +14 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 | 0.88% | 0.69% | 0.47% | 0.41% | 0.72% | 0.89% | 0.73% | 0.18% | -23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.50% | 8.48% | 8.15% | 8.17% | 8.30% | 8.03% | 7.90% | 8.26% | +9 bps | |
| Net Worth / Assets | 8.50% | 8.48% | 8.15% | 8.17% | 8.30% | 8.03% | 7.90% | 8.26% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.59% | 61.65% | 59.92% | 64.04% | 67.13% | 67.17% | 68.24% | 69.85% | +581 bps | |
| Liquid Assets / Assets | 33.51% | 29.68% | 32.25% | 33.15% | 31.24% | 29.44% | 29.20% | 28.68% | -448 bps | |