Childress, TX · Charter 16279
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Childress, TX · Charter 16279
Q1 2008
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 0.73% | 0.74% | 0.91% | 0.84% | 0.69% | 0.55% | -0.33% | -124 bps | |
| Return on Equity | 7.24% | 4.72% | 4.60% | 5.67% | 4.92% | 3.70% | 2.89% | -1.84% | -750 bps | |
| Net Interest Margin | 4.62% | 4.31% | 4.47% | 4.44% | 4.61% | 4.86% | 4.73% | 3.34% | -110 bps | |
| Efficiency Ratio | 75.94% | 82.37% | 81.60% | 74.93% | 77.26% | 81.08% | 84.69% | 107.52% | +3,259 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.05% | 0.88% | -0.74% | -1.49% | -3.89% | -11.22% | -10.54% | -7.95% | -646 bps | |
| Loan Growth (YoY) | 0.72% | 3.45% | 10.55% | 19.24% | 21.53% | 9.79% | 5.40% | -7.46% | -2,670 bps | |
| Share Growth (YoY) | 2.43% | 0.14% | -1.75% | -2.73% | -5.73% | -14.64% | -13.81% | -10.15% | -742 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 3.91% | 0.00% | 0.00% | 0.08% | 0.00% | 0.00% | 0.00% | 0 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 | 3.67% | 3.68% | 2.91% | 2.79% | 2.58% | 2.16% | 2.33% | 2.45% | -34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.44% | 15.53% | 16.19% | 16.01% | 17.03% | 18.75% | 19.18% | 17.94% | +193 bps | |
| Net Worth / Assets | 15.44% | 15.53% | 16.19% | 16.01% | 17.03% | 18.75% | 19.18% | 17.94% | +193 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.77% | 60.17% | 62.02% | 65.20% | 77.06% | 77.39% | 75.84% | 67.15% | +195 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |