Corpus Christi, TX · Charter 67448
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.84% | 1.23% | 1.48% | 1.56% | -0.65% | 1.72% | 1.88% | 1.45% | -11 bps | |
| Return on Equity | 26.36% | 12.86% | 14.95% | 13.47% | -6.21% | 15.25% | 16.05% | 10.68% | -279 bps | |
| Net Interest Margin | 5.90% | 5.16% | 5.20% | 5.98% | 5.30% | 5.02% | 5.03% | 5.78% | -20 bps | |
| Efficiency Ratio | 49.04% | 61.93% | 59.48% | 65.21% | 100.99% | 61.84% | 57.96% | 71.22% | +602 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.17% | -2.17% | 3.37% | -3.80% | 9.53% | -0.74% | -1.94% | -4.57% | -77 bps | |
| Loan Growth (YoY) | 10.60% | 9.54% | -0.10% | -6.54% | -11.02% | -14.98% | -17.77% | -22.47% | -1,592 bps | |
| Share Growth (YoY) | -12.58% | -3.03% | 2.61% | -6.00% | 9.81% | 2.18% | -3.98% | -6.31% | -31 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.87% | 4.42% | 5.33% | 3.25% | 2.04% | 2.90% | 3.23% | 2.15% | -110 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 | 2.30% | 2.88% | 1.86% | 1.68% | 2.08% | 2.13% | 2.47% | 2.42% | +74 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.76% | 9.59% | 9.92% | 11.60% | 10.45% | 11.31% | 11.74% | 13.60% | +201 bps | |
| Net Worth / Assets | 10.76% | 9.59% | 9.92% | 11.60% | 10.45% | 11.31% | 11.74% | 13.60% | +201 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.77% | 72.13% | 69.37% | 82.28% | 67.88% | 60.01% | 59.41% | 68.09% | -1,419 bps | |
| Liquid Assets / Assets | 23.90% | 32.98% | 35.69% | 25.30% | 36.62% | 41.93% | 45.49% | 38.01% | +1,270 bps | |