Houston, TX · Charter 67594
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.57% | -0.19% | 0.04% | 0.20% | 0.52% | 0.63% | 0.54% | -8.85% | -905 bps | |
| Return on Equity | -3.82% | -1.57% | 0.32% | 1.54% | 3.96% | 4.69% | 3.89% | -164.01% | -16,555 bps | |
| Net Interest Margin | 3.53% | 2.95% | 3.17% | 3.33% | 3.48% | 3.60% | 3.65% | 3.80% | +47 bps | |
| Efficiency Ratio | 110.95% | 103.89% | 97.85% | 94.32% | 87.93% | 85.90% | 87.18% | 288% | +19,384 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.72% | 22.83% | 18.11% | 17.76% | 18.79% | -6.90% | -6.20% | -9.44% | -2,720 bps | |
| Loan Growth (YoY) | 3.22% | 7.19% | 13.43% | 8.55% | 2.45% | 1.04% | -0.69% | -4.81% | -1,335 bps | |
| Share Growth (YoY) | -3.68% | 27.63% | 20.44% | 21.02% | 21.35% | -8.88% | -6.42% | -10.44% | -3,146 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.12% | 0.11% | 0.09% | 0.13% | 0.12% | 0.57% | 0.54% | +45 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 | 0.53% | 0.50% | 0.50% | 0.44% | 0.44% | 0.44% | 0.44% | 0.42% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.04% | 12.02% | 12.58% | 12.91% | 13.12% | 13.54% | 14.00% | 5.40% | -751 bps | |
| Net Worth / Assets | 15.04% | 12.02% | 12.58% | 12.91% | 13.12% | 13.54% | 14.00% | 5.40% | -751 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.61% | 34.50% | 37.30% | 36.78% | 37.66% | 38.26% | 39.58% | 39.10% | +231 bps | |
| Liquid Assets / Assets | 54.07% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |