Dallas, TX · Charter 67438
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.75% | 0.17% | 0.21% | -1.17% | -11.23% | -10.05% | -17.91% | -1,812 bps | |
| Return on Equity | 3.61% | 6.63% | 1.53% | 1.90% | -11.78% | -154.99% | -180.12% | n/a | n/a | |
| Net Interest Margin | 6.22% | 6.92% | 6.93% | 6.71% | 6.93% | 6.58% | 7.00% | 8.01% | +130 bps | |
| Efficiency Ratio | 61.47% | 57.01% | 64.36% | 65.79% | 66.26% | 70.10% | 70.19% | 79.06% | +1,328 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.79% | 3.21% | 3.60% | 7.05% | 3.25% | -0.95% | -6.38% | -22.18% | -2,923 bps | |
| Loan Growth (YoY) | -1.64% | 7.53% | 7.50% | 9.80% | 3.02% | -5.78% | 0.14% | -13.97% | -2,378 bps | |
| Share Growth (YoY) | 8.67% | 3.58% | 3.98% | 8.39% | 6.27% | 2.90% | 0.66% | -11.90% | -2,029 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.49% | 2.20% | 4.72% | 4.94% | 6.03% | 5.16% | 6.95% | 6.49% | +155 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 | 2.75% | 2.44% | 2.76% | 3.11% | 3.55% | 5.57% | 8.53% | 14.73% | +1,162 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.41% | 11.32% | 11.18% | 10.86% | 9.89% | 7.25% | 5.58% | -1.13% | -1,199 bps | |
| Net Worth / Assets | 11.41% | 11.32% | 11.18% | 10.86% | 9.89% | 7.25% | 5.58% | -1.13% | -1,199 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.03% | 81.40% | 79.55% | 78.41% | 77.59% | 74.53% | 79.13% | 76.56% | -185 bps | |
| Liquid Assets / Assets | 15.56% | 4.46% | 13.42% | 7.90% | 7.19% | 11.38% | 9.35% | 10.99% | +309 bps | |