Pasadena, TX · Charter 2632
Q4 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.26% | -1.34% | -1.52% | -1.51% | -1.86% | -1.76% | -1.61% | -10.00% | -850 bps | |
| Return on Equity | -5.25% | -5.47% | -6.36% | -6.47% | -8.17% | -7.91% | -7.52% | -74.23% | -6,776 bps | |
| Net Interest Margin | 2.54% | 2.52% | 2.43% | 2.37% | 2.01% | 2.00% | 1.95% | -4.64% | -701 bps | |
| Efficiency Ratio | 141.03% | 143.24% | 147.99% | 148.86% | 166.13% | 165.20% | 162.42% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.04% | -2.73% | -1.70% | 0.51% | -1.28% | 2.02% | 3.97% | -0.92% | -143 bps | |
| Loan Growth (YoY) | -4.30% | -11.53% | -7.20% | -16.33% | -16.54% | -11.60% | -16.15% | -15.98% | +35 bps | |
| Share Growth (YoY) | 0.43% | -1.76% | -0.35% | 2.88% | 0.50% | 5.00% | 7.35% | 9.37% | +649 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.16% | 0.69% | 1.93% | 1.47% | 0.22% | 0.15% | 0.03% | 0.00% | -147 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 | 1.08% | 0.91% | 1.02% | 1.10% | 1.08% | 0.97% | 0.98% | 0.82% | -28 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.09% | 24.40% | 23.92% | 23.26% | 22.76% | 22.20% | 21.43% | 13.48% | -979 bps | |
| Net Worth / Assets | 24.09% | 24.40% | 23.92% | 23.26% | 22.76% | 22.20% | 21.43% | 13.48% | -979 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.61% | 36.00% | 36.21% | 32.54% | 31.23% | 30.31% | 28.28% | 25.00% | -754 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |