Baytown, TX · Charter 67513
Q1 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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.80% | 0.84% | 0.90% | 1.03% | 0.84% | 0.68% | -5.99% | -689 bps | |
| Return on Equity | 3.89% | 4.16% | 4.33% | 4.56% | 5.19% | 4.23% | 3.36% | -31.25% | -3,581 bps | |
| Net Interest Margin | 2.60% | 2.74% | 2.91% | 3.19% | 3.27% | 3.26% | 3.20% | -1.45% | -465 bps | |
| Efficiency Ratio | 77.56% | 74.25% | 71.71% | 73.05% | 69.91% | 72.64% | 75.83% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.90% | 5.77% | 4.35% | 1.14% | -0.67% | 0.92% | 0.32% | -2.05% | -319 bps | |
| Loan Growth (YoY) | -9.14% | -5.37% | 2.05% | 5.88% | 7.03% | 9.76% | 8.97% | 5.20% | -68 bps | |
| Share Growth (YoY) | 7.75% | 6.45% | 4.37% | 0.54% | -2.03% | -0.08% | -0.56% | -0.83% | -137 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.65% | 0.64% | 0.45% | 0.42% | 1.18% | 0.72% | 0.31% | -13 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 | 0.29% | 0.36% | 0.51% | 0.50% | 0.36% | 0.52% | 0.43% | 0.63% | +13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.82% | 19.13% | 19.50% | 19.78% | 19.94% | 19.82% | 20.11% | 19.16% | -62 bps | |
| Net Worth / Assets | 18.82% | 19.13% | 19.50% | 19.78% | 19.94% | 19.82% | 20.11% | 19.16% | -62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.01% | 43.93% | 45.74% | 45.72% | 46.99% | 48.25% | 50.12% | 48.50% | +278 bps | |
| Liquid Assets / Assets | 40.15% | 37.45% | 30.97% | 29.82% | 36.00% | 38.45% | 40.26% | 38.42% | +860 bps | |