Coppell, TX · Charter 18369
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Coppell, TX · Charter 18369
Q3 2011
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.42% | -1.83% | -1.84% | -3.81% | -3.04% | -48.30% | -35.81% | -33.84% | -3,003 bps | |
| Return on Equity | -8.01% | -5.73% | -5.61% | -10.88% | -8.58% | -180.33% | -150.61% | -152.68% | -14,180 bps | |
| Net Interest Margin | 3.79% | 4.03% | 4.16% | 4.03% | 4.42% | -33.76% | -22.34% | -15.37% | -1,940 bps | |
| Efficiency Ratio | 127.41% | 117.69% | 110.42% | 169.38% | 127.27% | n/a | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.20% | 3.55% | 7.75% | -11.88% | -21.19% | -25.12% | -27.50% | -30.25% | -1,837 bps | |
| Loan Growth (YoY) | -5.26% | -5.04% | 0.18% | -1.00% | -6.54% | -3.11% | -9.33% | -12.99% | -1,199 bps | |
| Share Growth (YoY) | 1.43% | 7.17% | 16.45% | -13.97% | -25.19% | -20.69% | -18.24% | -18.28% | -431 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.73% | 2.82% | 1.78% | 3.33% | 3.53% | 6.26% | 2.41% | 3.95% | +62 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 | 2.45% | 1.96% | 1.70% | 1.60% | 1.55% | 4.09% | 4.07% | 3.85% | +225 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.17% | 31.95% | 32.77% | 35.00% | 35.42% | 26.79% | 23.78% | 22.16% | -1,284 bps | |
| Net Worth / Assets | 30.17% | 31.95% | 32.77% | 35.00% | 35.42% | 26.79% | 23.78% | 22.16% | -1,284 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.76% | 72.02% | 72.73% | 80.59% | 83.41% | 87.98% | 80.65% | 85.81% | +522 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |