Port Arthur, TX · Charter 456
Q3 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.82% | 0.76% | 0.90% | 0.90% | 0.87% | 0.75% | 0.88% | -2 bps | |
| Return on Equity | 7.91% | 7.74% | 7.13% | 8.28% | 8.05% | 7.97% | 6.73% | 7.68% | -61 bps | |
| Net Interest Margin | 3.88% | 3.50% | 3.53% | 3.59% | 3.70% | 3.86% | 3.98% | 4.07% | +48 bps | |
| Efficiency Ratio | 80.90% | 83.02% | 84.06% | 81.06% | 80.71% | 80.44% | 80.77% | 79.26% | -180 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.35% | 4.80% | 7.90% | 6.66% | 4.78% | 5.13% | 3.92% | 2.90% | -376 bps | |
| Loan Growth (YoY) | 11.76% | 12.53% | 11.99% | 13.02% | 14.23% | 15.97% | 13.41% | 12.74% | -29 bps | |
| Share Growth (YoY) | 4.85% | 4.90% | 8.23% | 6.70% | 4.56% | 4.83% | 3.66% | 2.90% | -380 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.61% | 0.56% | 0.74% | 0.58% | 0.51% | 0.69% | 0.70% | -5 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 | 0.62% | 0.58% | 0.54% | 0.53% | 0.58% | 0.60% | 0.58% | 0.61% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.77% | 10.57% | 10.62% | 10.88% | 11.17% | 10.94% | 11.09% | 11.45% | +56 bps | |
| Net Worth / Assets | 10.77% | 10.57% | 10.62% | 10.88% | 11.17% | 10.94% | 11.09% | 11.45% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.04% | 68.15% | 70.72% | 72.81% | 76.52% | 75.40% | 77.37% | 79.78% | +696 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |