Sulphur Spgs, TX · Charter 20098
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.
Sulphur Spgs, TX · Charter 20098
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 | 0.45% | 0.59% | 0.11% | -2.13% | -0.86% | -0.09% | 0.39% | -11.43% | -930 bps | |
| Return on Equity | 2.80% | 2.75% | 0.64% | -12.36% | -5.33% | -0.58% | 2.37% | -93.88% | -8,152 bps | |
| Net Interest Margin | 3.96% | 5.29% | 1.04% | 5.15% | 4.42% | 4.53% | 1.30% | -8.65% | -1,380 bps | |
| Efficiency Ratio | 82.46% | 82.57% | 83.42% | 66.95% | 76.43% | 71.75% | 65.45% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.15% | -22.55% | 0.19% | 12.19% | -1.47% | 28.54% | 5.79% | 14.33% | +214 bps | |
| Loan Growth (YoY) | 3.28% | -11.78% | -6.49% | -25.02% | -20.87% | -8.31% | -8.27% | -7.58% | +1,744 bps | |
| Share Growth (YoY) | 8.00% | -27.83% | -0.53% | -1.23% | -1.72% | 36.70% | 6.92% | 21.77% | +2,300 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.82% | 1.26% | 1.02% | 5.13% | 1.24% | 1.82% | 1.67% | 0.00% | -513 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 | 2.13% | 0.00% | 0.00% | 1.27% | 1.62% | 1.91% | 1.98% | 0.54% | -73 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.91% | 21.51% | 17.10% | 17.23% | 16.10% | 16.19% | 16.35% | 12.17% | -506 bps | |
| Net Worth / Assets | 15.91% | 21.51% | 17.10% | 17.23% | 16.10% | 16.19% | 16.35% | 12.17% | -506 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.77% | 41.64% | 34.56% | 31.04% | 27.19% | 27.93% | 29.65% | 23.56% | -748 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |