Brownsville, TX · Charter 67920
Q4 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.70% | 0.85% | 0.83% | 0.94% | 0.96% | 0.83% | 0.67% | -15 bps | |
| Return on Equity | 7.60% | 6.02% | 7.09% | 6.77% | 8.09% | 7.99% | 6.85% | 5.64% | -114 bps | |
| Net Interest Margin | 4.40% | 4.43% | 4.30% | 4.28% | 3.89% | 4.03% | 4.08% | 3.99% | -29 bps | |
| Efficiency Ratio | 81.45% | 80.33% | 80.45% | 80.79% | 81.66% | 81.11% | 82.45% | 84.44% | +365 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.53% | -2.07% | -2.03% | 3.29% | 4.76% | 4.88% | 5.89% | 8.34% | +505 bps | |
| Loan Growth (YoY) | -0.02% | 1.05% | 2.57% | 5.15% | 10.85% | 8.01% | 11.55% | 15.23% | +1,008 bps | |
| Share Growth (YoY) | 2.38% | -3.24% | -3.07% | 2.94% | 4.35% | 4.67% | 5.65% | 8.67% | +573 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.84% | 1.03% | 1.02% | 1.48% | 1.27% | 1.39% | 1.77% | 1.70% | +21 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 | 0.77% | 0.82% | 0.57% | 0.60% | 0.56% | 0.54% | 0.58% | 0.53% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.36% | 11.61% | 12.04% | 12.23% | 11.65% | 11.99% | 12.17% | 11.97% | -27 bps | |
| Net Worth / Assets | 11.36% | 11.61% | 12.04% | 12.23% | 11.65% | 11.99% | 12.17% | 11.97% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.39% | 62.14% | 64.68% | 64.11% | 62.03% | 64.12% | 68.30% | 67.98% | +387 bps | |
| Liquid Assets / Assets | 13.53% | 10.05% | 9.44% | 12.54% | 14.71% | 14.68% | 12.31% | 16.47% | +393 bps | |