Houston, TX · Charter 60521
Q4 2003
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 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.53% | 0.57% | 0.57% | 0.68% | 0.64% | 0.57% | 0.38% | -19 bps | |
| Return on Equity | 4.57% | 4.16% | 4.54% | 4.65% | 5.43% | 5.16% | 4.62% | 3.21% | -144 bps | |
| Net Interest Margin | 3.87% | 3.76% | 3.70% | 3.62% | 3.64% | 3.50% | 3.46% | 3.38% | -24 bps | |
| Efficiency Ratio | 78.18% | 77.14% | 77.18% | 77.54% | 78.44% | 77.06% | 78.73% | 79.39% | +185 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.63% | 24.64% | 6.27% | 12.03% | 7.12% | 7.04% | 6.65% | 6.53% | -550 bps | |
| Loan Growth (YoY) | 10.18% | 6.45% | -7.33% | -7.30% | -8.40% | -7.74% | -8.99% | -10.30% | -300 bps | |
| Share Growth (YoY) | 26.53% | 28.14% | 6.86% | 12.48% | 7.50% | 7.56% | 7.09% | 7.55% | -493 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.55% | 0.88% | 0.98% | 0.75% | 0.76% | 0.71% | 1.93% | 0.66% | -8 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 | 1.04% | 1.08% | 1.21% | 1.22% | 1.11% | 1.16% | 1.42% | 1.05% | -17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.60% | 12.63% | 12.57% | 12.33% | 12.51% | 12.43% | 12.37% | 11.96% | -37 bps | |
| Net Worth / Assets | 12.60% | 12.63% | 12.57% | 12.33% | 12.51% | 12.43% | 12.37% | 11.96% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.80% | 72.48% | 70.51% | 68.94% | 65.44% | 62.17% | 59.93% | 57.50% | -1,144 bps | |
| Liquid Assets / Assets | 30.69% | 34.79% | 36.89% | 35.98% | 37.33% | 41.43% | 41.60% | 42.12% | +614 bps | |