Houston, TX · Charter 67863
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.95% | 3.92% | 4.08% | 4.01% | 3.59% | 3.77% | 2.72% | 4.10% | +9 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 | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 26.71% | 16.60% | 0.36% | -2.87% | -9.12% | 2.01% | 4.05% | +369 bps | |
| Loan Growth (YoY) | n/a | 20.66% | 21.55% | -0.27% | 19.20% | 1.01% | -3.33% | -1.48% | -121 bps | |
| Share Growth (YoY) | n/a | 28.94% | 11.66% | -1.79% | -4.94% | -12.64% | 3.17% | 4.18% | +598 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.80% | 1.56% | 0.93% | 0.00% | 0.16% | 0.07% | 0.83% | 1.73% | +173 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 | 2.05% | 1.85% | 1.66% | 1.33% | 0.96% | 1.26% | 1.23% | 1.27% | -6 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 | 77.75% | 76.82% | 91.87% | 87.89% | 97.49% | 88.83% | 86.08% | 83.11% | -478 bps | |
| Liquid Assets / Assets | 28.39% | 28.12% | 19.21% | 23.00% | 10.77% | 17.82% | 20.27% | 22.28% | -71 bps | |