Houston, TX · Charter 67464
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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 67464
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.99% | 8.79% | 3.17% | 2.79% | 3.14% | 4.48% | 0.74% | 0.22% | -257 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 | 3.55% | 3.68% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 84.63% | 94.14% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.42% | -18.55% | -10.31% | 3.21% | 26.61% | 34.00% | 4.29% | 2.22% | -99 bps | |
| Loan Growth (YoY) | 37.58% | 23.02% | -38.85% | -8.71% | -17.74% | -11.39% | 20.76% | 22.28% | +3,099 bps | |
| Share Growth (YoY) | -8.98% | -15.12% | -9.72% | 4.11% | 23.82% | 34.98% | 3.40% | 1.10% | -301 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 18.33% | 3.49% | 6.27% | 5.20% | 0.00% | 0.00% | 1.64% | 0.66% | -454 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 | 14.13% | 9.33% | 7.95% | 7.20% | 5.10% | 4.60% | 4.37% | 4.02% | -318 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 | 62.83% | 64.21% | 47.08% | 45.86% | 41.74% | 42.15% | 54.98% | 55.47% | +961 bps | |
| Liquid Assets / Assets | 43.51% | 33.71% | 50.88% | 56.32% | 57.76% | 57.72% | 31.34% | 42.19% | -1,413 bps | |