Big Spring, TX · Charter 14379
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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.
Big Spring, TX · Charter 14379
Q2 2005
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.39% | -2.03% | -0.11% | 0.00% | -0.29% | -0.53% | -1.51% | -3.30% | -330 bps | |
| Return on Equity | -8.40% | -6.70% | -0.37% | 0.00% | -0.88% | -1.56% | -4.20% | -8.96% | -896 bps | |
| Net Interest Margin | 5.26% | 5.38% | 4.76% | 4.47% | 4.43% | 4.57% | 4.35% | 4.34% | -13 bps | |
| Efficiency Ratio | 105.01% | 104.13% | 101.75% | 99.99% | 104.35% | 107.72% | 124.54% | 153.73% | +5,374 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.65% | -16.72% | -17.49% | -13.27% | -14.67% | -13.02% | -17.15% | -18.84% | -556 bps | |
| Loan Growth (YoY) | -28.54% | -28.08% | -24.81% | -26.75% | -19.66% | -20.68% | -23.39% | -16.28% | +1,047 bps | |
| Share Growth (YoY) | -21.10% | -20.62% | -21.93% | -17.55% | -20.54% | -18.05% | -23.50% | -24.76% | -721 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.67% | 2.33% | 3.32% | 1.13% | 2.07% | 3.73% | 0.86% | 1.50% | +38 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 | 3.80% | 3.10% | 3.46% | 4.06% | 3.89% | 3.62% | 2.42% | 2.45% | -161 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 28.41% | 30.29% | 30.60% | 31.73% | 32.95% | 34.29% | 36.02% | 36.84% | +511 bps | |
| Net Worth / Assets | 28.41% | 30.29% | 30.60% | 31.73% | 32.95% | 34.29% | 36.02% | 36.84% | +511 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.93% | 72.44% | 66.06% | 62.99% | 69.70% | 70.11% | 66.15% | 70.09% | +710 bps | |
| Liquid Assets / Assets | 46.84% | 44.71% | 49.86% | 51.61% | 48.55% | 48.81% | 53.49% | 50.02% | -159 bps | |