Houston, TX · Charter 22907
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.61% | 5.23% | 3.86% | 4.81% | -2.68% | 4.87% | 3.69% | 0.00% | -481 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 | 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 | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | -10.69% | -14.07% | -23.61% | -20.46% | -15.38% | -4.77% | -99.99% | -7,638 bps | |
| Loan Growth (YoY) | n/a | 189.24% | 114.27% | 3.21% | -23.04% | -58.69% | -64.62% | -100.00% | -10,321 bps | |
| Share Growth (YoY) | n/a | -18.41% | -22.55% | -24.08% | -21.86% | -22.42% | -8.36% | -100.00% | -7,592 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 23.33% | 32.83% | 30.70% | 32.38% | 34.65% | 39.21% | 40.77% | n/a | n/a | |
| 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 | 3.28% | 2.77% | 3.04% | 13.07% | 14.66% | 6.45% | 8.25% | n/a | n/a | |
| 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 | 84.18% | 110.69% | 106.85% | 90.62% | 82.90% | 58.94% | 41.25% | n/a | n/a | |
| Liquid Assets / Assets | 30.60% | 11.84% | 6.49% | 12.94% | 13.31% | 13.49% | 12.59% | 0.00% | -1,294 bps | |