Houston, TX · Charter 23328
Q2 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | 0.01% | -0.84% | 0.25% | 0.04% | 0.21% | -0.90% | -0.53% | -78 bps | |
| Return on Equity | 0.65% | 0.09% | -7.35% | 2.22% | 0.30% | 1.77% | -7.98% | -4.61% | -683 bps | |
| Net Interest Margin | 2.13% | 2.22% | 1.94% | 1.95% | 1.90% | 1.83% | 1.99% | 1.83% | -12 bps | |
| Efficiency Ratio | 96.86% | 99.59% | 138.19% | 89.02% | 98.44% | 91.00% | 141.06% | 126.14% | +3,712 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.01% | 4.77% | 4.84% | 6.39% | 3.22% | 2.21% | 0.97% | -3.89% | -1,028 bps | |
| Loan Growth (YoY) | 3.27% | 25.05% | -9.22% | -21.36% | -23.61% | -27.72% | -28.12% | -28.95% | -760 bps | |
| Share Growth (YoY) | 6.65% | 5.43% | 5.31% | 7.12% | 3.70% | 2.37% | 1.18% | -4.01% | -1,113 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 5.11% | 5.26% | 5.73% | 6.24% | 6.69% | 7.28% | 7.97% | 8.78% | +254 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.09% | 11.82% | 11.49% | 11.37% | 11.68% | 11.68% | 11.31% | 11.48% | +11 bps | |
| Net Worth / Assets | 12.09% | 11.82% | 11.49% | 11.37% | 11.68% | 11.68% | 11.31% | 11.48% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.62% | 34.10% | 30.44% | 27.04% | 26.24% | 24.08% | 21.62% | 20.01% | -703 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |