Houston, TX · Charter 68570
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 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 68570
Q3 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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.51% | -0.50% | -0.70% | -1.34% | -0.93% | -0.11% | -0.10% | -2.02% | -68 bps | |
| Return on Equity | -6.43% | -6.35% | -9.22% | -19.86% | -14.92% | -1.69% | -1.57% | -40.84% | -2,098 bps | |
| Net Interest Margin | 3.47% | 3.48% | 3.51% | 3.14% | 3.19% | 3.20% | 3.21% | 3.26% | +11 bps | |
| Efficiency Ratio | 80.21% | 100.51% | 107.67% | 138.01% | 117.64% | 102.64% | 102.48% | 151.61% | +1,360 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.38% | 7.83% | 5.32% | 8.95% | 8.46% | 9.24% | 9.52% | -0.78% | -973 bps | |
| Loan Growth (YoY) | 1.35% | 2.06% | 1.44% | -0.28% | -1.82% | -9.07% | -10.73% | -13.31% | -1,302 bps | |
| Share Growth (YoY) | 3.74% | 8.74% | 6.94% | 10.32% | 11.12% | 12.04% | 11.42% | 0.38% | -994 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.18% | 0.46% | 0.58% | 0.45% | 0.43% | 0.30% | 0.34% | 0.35% | -10 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 | 0.25% | 0.30% | 0.28% | 0.33% | 0.28% | 0.29% | 0.26% | 0.18% | -15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.97% | 7.87% | 7.60% | 6.76% | 6.25% | 6.23% | 6.24% | 4.95% | -180 bps | |
| Net Worth / Assets | 7.97% | 7.87% | 7.60% | 6.76% | 6.25% | 6.23% | 6.24% | 4.95% | -180 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.00% | 82.01% | 80.66% | 73.11% | 70.68% | 66.56% | 64.63% | 63.14% | -997 bps | |
| Liquid Assets / Assets | 0.00% | 99.17% | 99.81% | 0.00% | 0.00% | 97.07% | 0.00% | 0.00% | 0 bps | |