Houston, TX · Charter 6009
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Houston, TX · Charter 6009
Q1 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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | 0.16% | 0.17% | -0.14% | -0.06% | -0.06% | -0.08% | -2.35% | -221 bps | |
| Return on Equity | 0.81% | 0.82% | 0.91% | -0.75% | -0.33% | -0.33% | -0.45% | -13.11% | -1,235 bps | |
| Net Interest Margin | 1.54% | 1.54% | 1.49% | 1.22% | 1.18% | 1.16% | 1.14% | 0.94% | -28 bps | |
| Efficiency Ratio | 91.13% | 89.02% | 87.71% | 110.62% | 103.94% | 103.96% | 106.76% | 348% | +23,750 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.83% | 4.89% | 3.39% | 5.68% | 7.67% | 7.37% | 4.25% | -0.06% | -574 bps | |
| Loan Growth (YoY) | -5.07% | 3.11% | -3.03% | -5.69% | -4.83% | -2.75% | -1.42% | 3.99% | +967 bps | |
| Share Growth (YoY) | 9.62% | 5.95% | 4.00% | 7.09% | 9.53% | 9.02% | 5.30% | 0.44% | -666 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.18% | 0.23% | 0.16% | 0.15% | 0.13% | 0.10% | 0.19% | +3 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 | 0.33% | 0.33% | 0.33% | 0.35% | 0.35% | 0.34% | 0.33% | 0.34% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.25% | 19.29% | 19.25% | 18.58% | 17.94% | 17.98% | 18.38% | 17.95% | -63 bps | |
| Net Worth / Assets | 19.25% | 19.29% | 19.25% | 18.58% | 17.94% | 17.98% | 18.38% | 17.95% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 23.99% | 24.06% | 24.36% | 21.84% | 20.85% | 21.46% | 22.80% | 22.61% | +77 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |