Houston, TX · Charter 60206
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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 60206
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.17% | -0.29% | -1.01% | -3.55% | -0.67% | -0.35% | -2.22% | -2.12% | +142 bps | |
| Return on Equity | -2.22% | -3.92% | -15.80% | -65.91% | -17.32% | -8.39% | -91.85% | -109.62% | -4,371 bps | |
| Net Interest Margin | 3.67% | 3.46% | 3.58% | 4.22% | 4.47% | 4.78% | 5.10% | 5.28% | +106 bps | |
| Efficiency Ratio | 95.13% | 97.17% | 110.05% | 74.06% | 59.05% | 61.61% | 76.91% | 95.62% | +2,156 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.27% | 10.67% | 11.59% | 6.72% | 1.79% | -3.79% | -12.06% | -15.15% | -2,187 bps | |
| Loan Growth (YoY) | 11.27% | 13.66% | 20.04% | 21.17% | 6.83% | -0.61% | -7.40% | -11.15% | -3,232 bps | |
| Share Growth (YoY) | 10.55% | 13.20% | 13.96% | 9.84% | 6.44% | -0.67% | -7.46% | -11.78% | -2,163 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.55% | 3.38% | 2.97% | 2.97% | 2.30% | 2.60% | 2.81% | 2.25% | -72 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 | 0.57% | 0.54% | 0.65% | 0.72% | 2.49% | 2.59% | 3.27% | 3.45% | +272 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.62% | 7.39% | 6.37% | 5.38% | 3.87% | 4.13% | 2.42% | 1.94% | -345 bps | |
| Net Worth / Assets | 7.62% | 7.39% | 6.37% | 5.38% | 3.87% | 4.13% | 2.42% | 1.94% | -345 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.80% | 79.70% | 79.66% | 77.18% | 77.08% | 79.75% | 79.72% | 77.74% | +55 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |