Pasadena, TX · Charter 67707
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Pasadena, TX · Charter 67707
Q3 2011
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.49% | -1.36% | -3.12% | -1.75% | -0.81% | -0.38% | -0.26% | -0.05% | +170 bps | |
| Return on Equity | -21.14% | -19.44% | -77.74% | -49.75% | -23.24% | -11.27% | -7.32% | -1.39% | +4,836 bps | |
| Net Interest Margin | 2.33% | 2.46% | 1.10% | 3.49% | 3.85% | 3.82% | 3.93% | 3.92% | +43 bps | |
| Efficiency Ratio | 96.54% | 101.73% | 169.76% | 127.24% | 102.30% | 90.73% | 87.95% | 86.67% | -4,057 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.24% | 1.59% | -0.35% | -1.19% | -3.41% | 1.87% | -2.64% | -4.35% | -316 bps | |
| Loan Growth (YoY) | 9.26% | 10.01% | 8.86% | 13.21% | 13.73% | 10.40% | 10.55% | 5.59% | -762 bps | |
| Share Growth (YoY) | 3.02% | 3.36% | 3.02% | 1.29% | -1.32% | 3.92% | -1.85% | -4.26% | -555 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.75% | 0.64% | 0.72% | 0.49% | 0.68% | 0.97% | 0.64% | -8 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 | 0.38% | 0.32% | 0.36% | 0.41% | 0.46% | 0.69% | 0.78% | 0.76% | +36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.04% | 6.97% | 4.02% | 3.53% | 3.50% | 3.40% | 3.49% | 3.60% | +7 bps | |
| Net Worth / Assets | 7.04% | 6.97% | 4.02% | 3.53% | 3.50% | 3.40% | 3.49% | 3.60% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.14% | 63.44% | 62.32% | 63.07% | 68.16% | 67.40% | 70.19% | 69.56% | +649 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |