Texas City, TX · Charter 6819
Q1 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.52% | 0.49% | 0.43% | 0.14% | -0.11% | -0.19% | 0.21% | -22 bps | |
| Return on Equity | 3.25% | 3.48% | 3.26% | 2.87% | 0.91% | -0.75% | -1.28% | 1.42% | -145 bps | |
| Net Interest Margin | 3.40% | 3.56% | 3.59% | 3.33% | 3.27% | 3.30% | 3.42% | 3.80% | +47 bps | |
| Efficiency Ratio | 86.54% | 85.79% | 86.45% | 88.47% | 94.83% | 101.43% | 98.45% | 93.72% | +525 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.10% | -0.68% | -0.37% | 0.91% | -0.49% | -1.48% | -1.62% | -2.17% | -307 bps | |
| Loan Growth (YoY) | -4.69% | 1.60% | 11.26% | 16.47% | 19.61% | 16.07% | 11.44% | 7.35% | -912 bps | |
| Share Growth (YoY) | -1.11% | -2.36% | -1.31% | 0.18% | -0.54% | -0.68% | -0.80% | -1.95% | -213 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.64% | 0.63% | 0.76% | 0.88% | 0.46% | 0.76% | 0.92% | 0.74% | -14 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% | 0.97% | 0.90% | 0.84% | 0.74% | 0.58% | 0.77% | 0.64% | -21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.73% | 15.01% | 15.20% | 14.93% | 15.12% | 15.25% | 15.25% | 14.88% | -5 bps | |
| Net Worth / Assets | 14.73% | 15.01% | 15.20% | 14.93% | 15.12% | 15.25% | 15.25% | 14.88% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.73% | 52.99% | 56.27% | 55.87% | 58.60% | 61.92% | 63.21% | 61.17% | +530 bps | |
| Liquid Assets / Assets | 29.03% | 25.89% | 41.73% | 44.99% | 39.43% | 21.97% | 17.48% | 18.96% | -2,603 bps | |