El Paso, TX · Charter 11017
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
El Paso, TX · Charter 11017
Q4 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.61% | 0.46% | 0.64% | -4.20% | -6.72% | -4.77% | -6.26% | -690 bps | |
| Return on Equity | 5.43% | 4.39% | 3.73% | 5.38% | -37.91% | -74.22% | -55.30% | -88.73% | -9,411 bps | |
| Net Interest Margin | 4.89% | 4.90% | 4.60% | 4.53% | 5.12% | 5.12% | 4.88% | 5.00% | +47 bps | |
| Efficiency Ratio | 87.71% | 84.52% | 82.06% | 79.35% | 95.60% | 93.30% | 91.30% | 93.48% | +1,413 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.70% | -3.48% | 12.80% | 24.41% | 22.44% | 14.98% | 3.46% | -10.91% | -3,533 bps | |
| Loan Growth (YoY) | -13.65% | 12.81% | 30.93% | 55.00% | 51.54% | 14.60% | 0.48% | -14.31% | -6,932 bps | |
| Share Growth (YoY) | -4.57% | -1.04% | 10.73% | 16.39% | 23.28% | 18.38% | 1.96% | 2.31% | -1,407 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.94% | 5.25% | 4.34% | 4.27% | 3.62% | 2.71% | 3.55% | 4.56% | +30 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 | 1.96% | 1.55% | 1.58% | 1.05% | 1.66% | 2.64% | 3.09% | 4.68% | +363 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.25% | 13.80% | 12.30% | 11.87% | 11.08% | 9.05% | 8.63% | 7.06% | -481 bps | |
| Net Worth / Assets | 14.25% | 13.80% | 12.30% | 11.87% | 11.08% | 9.05% | 8.63% | 7.06% | -481 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.74% | 97.55% | 102.35% | 106.28% | 99.25% | 94.43% | 100.87% | 89.01% | -1,727 bps | |
| Liquid Assets / Assets | 17.72% | 3.06% | 2.89% | 3.40% | 2.74% | 0.00% | 0.00% | 0.00% | -340 bps | |