Houston, TX · Charter 67981
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 | 3.22% | 3.18% | 3.26% | 3.02% | 2.91% | 2.24% | 2.61% | 1.75% | -127 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 | 0.12% | 0.01% | 0.01% | -2.66% | -1.92% | -1.97% | 2.86% | +286 bps | |
| Loan Growth (YoY) | n/a | 16.99% | 3.40% | 0.37% | -2.13% | -6.21% | -20.39% | -17.90% | -1,828 bps | |
| Share Growth (YoY) | n/a | -1.40% | -1.86% | -2.89% | -4.41% | -4.15% | -1.88% | 3.78% | +667 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 1.41% | 0.89% | 0.96% | 0.92% | 2.25% | 2.37% | 2.91% | +195 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 | 1.12% | 1.14% | 0.82% | 0.77% | 0.85% | 1.07% | 1.05% | 1.29% | +53 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 | 66.25% | 61.20% | 67.12% | 60.97% | 67.83% | 59.88% | 54.46% | 48.23% | -1,274 bps | |
| Liquid Assets / Assets | 27.50% | 23.42% | 25.11% | 23.87% | 19.51% | 33.68% | 32.90% | 39.86% | +1,598 bps | |