Pampa, TX · Charter 1732
Q2 2007
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.79% | -0.61% | -2.91% | -0.21% | -10.62% | -983 bps | |
| Return on Equity | -3.44% | -2.46% | -11.48% | -0.77% | -45.66% | -4,222 bps | |
| Net Interest Margin | 6.35% | 6.70% | 7.21% | 5.68% | 6.41% | +5 bps | |
| Efficiency Ratio | 71.94% | 74.19% | 87.54% | 103.48% | 121.87% | +4,993 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.84% | -12.15% | -22.58% | -26.27% | -26.95% | -1,910 bps | |
| Loan Growth (YoY) | -5.46% | -10.00% | -23.84% | -26.16% | -21.57% | -1,611 bps | |
| Share Growth (YoY) | -18.32% | -9.97% | -25.50% | -22.62% | -20.08% | -176 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.49% | 2.63% | 3.55% | 0.82% | 1.20% | -230 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.46% | 2.02% | 4.67% | 2.54% | 7.88% | +642 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.85% | 24.59% | 25.34% | 27.27% | 23.26% | +41 bps | |
| Net Worth / Assets | 22.85% | 24.59% | 25.34% | 27.27% | 23.26% | +41 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 113.94% | 109.09% | 112.96% | 118.43% | 111.82% | -212 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |