Austin, TX · Charter 20988
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 0.62% | 0.78% | 0.72% | -2.17% | 0.14% | 0.11% | 0.06% | -66 bps | |
| Return on Equity | 8.55% | 4.99% | 6.06% | 5.58% | -21.19% | 1.36% | 1.03% | 0.60% | -497 bps | |
| Net Interest Margin | 1.28% | 1.10% | 1.15% | 1.02% | -1.87% | 0.39% | 0.41% | 0.38% | -64 bps | |
| Efficiency Ratio | 13.39% | 17.23% | 16.29% | 17.65% | n/a | 49.03% | 48.03% | 53.50% | +3,585 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.73% | 4.27% | 2.89% | 1.26% | -0.69% | -1.35% | -1.04% | -0.86% | -212 bps | |
| Loan Growth (YoY) | 1.15% | 0.73% | 4.48% | 5.60% | -0.80% | 0.34% | 0.67% | 1.67% | -393 bps | |
| Share Growth (YoY) | 6.66% | 3.68% | 1.89% | 0.27% | 1.41% | 0.73% | 1.45% | 2.69% | +242 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.13% | 0.19% | 0.31% | 0.54% | 0.33% | 0.43% | 0.25% | -6 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 | 0.15% | 0.27% | 0.32% | 0.26% | 0.31% | 0.28% | 0.31% | 0.31% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.31% | 12.51% | 12.82% | 12.87% | 10.23% | 10.37% | 10.42% | 10.31% | -256 bps | |
| Net Worth / Assets | 12.31% | 12.51% | 12.82% | 12.87% | 10.23% | 10.37% | 10.42% | 10.31% | -256 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.06% | 36.38% | 37.84% | 38.21% | 35.28% | 36.24% | 37.55% | 37.83% | -38 bps | |
| Liquid Assets / Assets | 19.97% | 21.56% | 18.48% | 21.28% | 23.70% | 27.71% | 0.00% | 0.00% | -2,128 bps | |