Houston, TX · Charter 6083
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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 6083
Q1 2014
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.14% | -0.12% | -0.09% | 0.11% | 0.02% | 0.14% | 0.15% | -0.12% | -23 bps | |
| Return on Equity | -1.82% | -1.59% | -1.16% | 1.51% | 0.23% | 1.75% | 1.86% | -1.55% | -306 bps | |
| Net Interest Margin | 2.18% | 2.15% | 2.25% | 2.25% | 2.33% | 2.38% | 2.37% | 2.29% | +3 bps | |
| Efficiency Ratio | 103.90% | 103.03% | 101.51% | 95.07% | 93.74% | 94.30% | 93.92% | 101.15% | +608 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.59% | 1.37% | 4.10% | 3.46% | 3.01% | -1.82% | 0.21% | -0.59% | -405 bps | |
| Loan Growth (YoY) | 44.03% | 26.82% | 18.96% | 14.23% | 9.28% | 5.27% | 5.23% | -0.97% | -1,520 bps | |
| Share Growth (YoY) | -0.25% | 1.57% | 4.42% | 3.85% | 3.30% | -2.01% | 0.08% | -0.85% | -470 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.29% | 1.19% | 1.03% | 0.28% | 0.95% | 1.22% | 1.26% | 0.75% | +47 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 | 0.89% | 0.91% | 0.75% | 0.71% | 0.86% | 0.87% | 0.87% | 0.55% | -17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.87% | 7.65% | 7.82% | 7.49% | 7.65% | 7.85% | 7.88% | 7.56% | +6 bps | |
| Net Worth / Assets | 7.87% | 7.65% | 7.82% | 7.49% | 7.65% | 7.85% | 7.88% | 7.56% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.10% | 44.76% | 45.96% | 46.30% | 47.71% | 48.08% | 48.33% | 46.24% | -6 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |