Houston, TX · Charter 60588
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.47% | 3.01% | 3.24% | 3.54% | 3.97% | 4.18% | 3.55% | 4.41% | +87 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | -11.48% | -11.50% | -8.14% | -1.87% | 0.07% | 0.59% | 0.12% | +825 bps | |
| Loan Growth (YoY) | n/a | 7.83% | 6.21% | 3.52% | 6.47% | 9.32% | 3.09% | -7.57% | -1,108 bps | |
| Share Growth (YoY) | n/a | -9.39% | -9.24% | -4.83% | -3.40% | -3.94% | -4.29% | -2.89% | +195 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.15% | 1.55% | 1.87% | 1.77% | 4.12% | 4.36% | 2.48% | 2.69% | +93 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% | 1.07% | 0.86% | 1.12% | 1.02% | 0.87% | 1.16% | 0.97% | -15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.21% | 83.66% | 88.90% | 89.54% | 92.82% | 95.21% | 95.76% | 85.23% | -431 bps | |
| Liquid Assets / Assets | 15.40% | 10.22% | 6.44% | 10.66% | 5.50% | 6.83% | 8.15% | 13.46% | +280 bps | |