Dallas, TX · Charter 16822
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Dallas, TX · Charter 16822
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 0.36% | -2.11% | -0.03% | -0.27% | -1.44% | -1.58% | -1.56% | -152 bps | |
| Return on Equity | 2.37% | 2.83% | -19.19% | -0.29% | -2.37% | -14.57% | -16.37% | -17.33% | -1,704 bps | |
| Net Interest Margin | 3.47% | 3.50% | 3.38% | 3.31% | 3.35% | 3.31% | 3.19% | 3.25% | -5 bps | |
| Efficiency Ratio | 83.16% | 81.92% | 87.36% | 69.42% | 73.56% | 105.25% | 115.55% | 124.97% | +5,556 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.95% | 2.31% | 8.92% | 9.89% | 11.23% | 11.78% | -0.11% | -2.86% | -1,275 bps | |
| Loan Growth (YoY) | 5.10% | 4.42% | 1.71% | -0.78% | -1.71% | -3.05% | -5.26% | -6.51% | -573 bps | |
| Share Growth (YoY) | 4.02% | 5.30% | 13.89% | 14.34% | 15.38% | 14.54% | 1.35% | -0.51% | -1,484 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.75% | 0.64% | 0.68% | 0.60% | 0.70% | 0.65% | 1.03% | +35 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 | 0.60% | 0.70% | 0.66% | 0.67% | 0.88% | 0.90% | 0.93% | 1.07% | +40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.55% | 12.66% | 10.98% | 11.27% | 11.23% | 9.90% | 9.66% | 8.98% | -230 bps | |
| Net Worth / Assets | 12.55% | 12.66% | 10.98% | 11.27% | 11.23% | 9.90% | 9.66% | 8.98% | -230 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.41% | 77.04% | 67.83% | 67.16% | 67.65% | 65.21% | 63.40% | 63.11% | -405 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 99.57% | 0.00% | 0 bps | |