Houston, TX · Charter 68392
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 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.
Houston, TX · Charter 68392
Q4 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 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.93% | -1.87% | -11.76% | -11.93% | -16.82% | -55.10% | -58.38% | -745% | -73,319 bps | |
| Return on Equity | -22.62% | -22.76% | -51.44% | -53.88% | -65.21% | -59.06% | -60.21% | n/a | n/a | |
| Net Interest Margin | 1.67% | 1.34% | -1.71% | -0.59% | 0.64% | 1.54% | 1.23% | 13.96% | +1,455 bps | |
| Efficiency Ratio | 187.07% | 167.05% | n/a | n/a | 1070% | 1511% | 1950% | 2171% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 36.49% | 164.70% | 4.32% | -31.43% | -74.12% | -95.72% | -88.48% | -99.07% | -6,764 bps | |
| Loan Growth (YoY) | -3.58% | -13.23% | -14.26% | -15.88% | -8.23% | -100.00% | -100.00% | -100.00% | -8,412 bps | |
| Share Growth (YoY) | 52.44% | 235% | 16.98% | -30.17% | -78.15% | -99.70% | -99.59% | -99.75% | -6,957 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 24.00% | 9.64% | 10.48% | 0.00% | 0.00% | n/a | n/a | n/a | n/a | |
| 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 | 28.94% | 25.84% | 30.17% | 17.74% | 22.30% | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 12.96% | 8.23% | 22.85% | 22.14% | 25.79% | 93.30% | 96.96% | 0.00% | -2,214 bps | |
| Net Worth / Assets | 12.96% | 8.23% | 22.85% | 22.14% | 25.79% | 93.30% | 96.96% | 0.00% | -2,214 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 2.03% | 1.54% | 4.70% | 4.57% | 8.54% | 0.00% | 0.00% | 0.00% | -457 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |