Dallas, TX · Charter 18669
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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 18669
Q2 2009
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.48% | 0.50% | 0.47% | 0.43% | 0.46% | -2.34% | -1.25% | -172 bps | |
| Return on Equity | 4.26% | 4.43% | 4.65% | 4.29% | 4.03% | 4.39% | -24.22% | -13.18% | -1,747 bps | |
| Net Interest Margin | 3.86% | 3.88% | 3.82% | 3.62% | 3.57% | 3.37% | 2.96% | 2.80% | -82 bps | |
| Efficiency Ratio | 73.57% | 73.90% | 77.52% | 76.83% | 80.27% | 80.58% | 89.56% | 101.73% | +2,489 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.95% | 5.34% | 1.24% | 1.27% | 2.60% | 8.17% | 7.35% | 9.51% | +824 bps | |
| Loan Growth (YoY) | 48.29% | 12.34% | -10.29% | 12.27% | -15.63% | -16.98% | -14.61% | -44.55% | -5,682 bps | |
| Share Growth (YoY) | 14.10% | 5.17% | 0.81% | 0.85% | 2.55% | 9.11% | 8.66% | 10.81% | +995 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.87% | 0.00% | 0.00% | 0.00% | 5.83% | 3.21% | 3.55% | 4.34% | +434 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 | 9.29% | 4.37% | 5.41% | 4.68% | 5.42% | 6.36% | 7.03% | 8.59% | +391 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.55% | 10.81% | 10.87% | 10.85% | 10.74% | 10.45% | 9.66% | 9.52% | -134 bps | |
| Net Worth / Assets | 10.55% | 10.81% | 10.87% | 10.85% | 10.74% | 10.45% | 9.66% | 9.52% | -134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.08% | 26.54% | 22.92% | 28.66% | 24.75% | 20.19% | 18.01% | 14.34% | -1,432 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |