Houston, TX · Charter 7492
Q2 2004
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 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.33% | -0.28% | -1.39% | -1.10% | -1.11% | -1.10% | -1.66% | -1.57% | -47 bps | |
| Return on Equity | -2.85% | -2.43% | -12.53% | -10.42% | -10.60% | -11.72% | -17.99% | -18.03% | -761 bps | |
| Net Interest Margin | 3.58% | 3.61% | 3.14% | 3.10% | 3.21% | 3.19% | 3.18% | 3.13% | +3 bps | |
| Efficiency Ratio | 99.51% | 99.22% | 129.88% | 122.32% | 123.19% | 123.80% | 139.60% | 138.10% | +1,578 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.02% | 5.66% | 7.90% | -1.10% | -0.76% | 1.44% | -1.86% | -2.23% | -113 bps | |
| Loan Growth (YoY) | -22.59% | -16.10% | -9.96% | -12.67% | -14.24% | -7.61% | -6.57% | -8.62% | +404 bps | |
| Share Growth (YoY) | 8.20% | 8.31% | 9.06% | -1.40% | 0.43% | 3.96% | 1.02% | 0.52% | +192 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.34% | 2.90% | 3.11% | 5.11% | 4.25% | 3.48% | 6.19% | 6.61% | +150 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 | 1.52% | 1.35% | 1.57% | 1.75% | 1.23% | 1.55% | 1.61% | 1.72% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.49% | 11.54% | 11.12% | 10.51% | 10.48% | 9.40% | 9.23% | 8.69% | -182 bps | |
| Net Worth / Assets | 11.49% | 11.54% | 11.12% | 10.51% | 10.48% | 9.40% | 9.23% | 8.69% | -182 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.61% | 43.05% | 41.42% | 40.56% | 39.80% | 38.26% | 38.31% | 36.87% | -369 bps | |
| Liquid Assets / Assets | 52.36% | 54.08% | 48.00% | 51.11% | 50.65% | 58.99% | 58.15% | 54.20% | +310 bps | |