Longview, TX · Charter 21411
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.
Longview, TX · Charter 21411
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 | 0.10% | -1.88% | -3.52% | -1.01% | -1.25% | -1.22% | -4.45% | -2.43% | -141 bps | |
| Return on Equity | 0.56% | -12.03% | -22.59% | -6.30% | -7.94% | -8.57% | -31.69% | -16.72% | -1,043 bps | |
| Net Interest Margin | 2.88% | 2.96% | 3.04% | 3.08% | 3.02% | 2.81% | 3.17% | 3.16% | +9 bps | |
| Efficiency Ratio | 74.77% | 72.99% | 77.94% | 74.72% | 77.41% | 90.61% | 169.84% | 106.47% | +3,175 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.78% | 1.26% | -3.26% | -6.91% | -6.49% | 0.97% | 0.11% | -6.46% | +45 bps | |
| Loan Growth (YoY) | -13.00% | -17.79% | -19.12% | -24.50% | -24.24% | -28.48% | -32.14% | -37.99% | -1,349 bps | |
| Share Growth (YoY) | 3.42% | 4.06% | -0.88% | -5.50% | -4.47% | 2.70% | 2.57% | -4.51% | +98 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.28% | 4.40% | 5.69% | 5.45% | 11.15% | 7.50% | 2.08% | 1.20% | -425 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 | 1.75% | 2.90% | 3.37% | 3.21% | 4.14% | 2.49% | 3.71% | 3.89% | +69 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.59% | 15.60% | 15.58% | 16.07% | 15.78% | 14.23% | 14.03% | 14.50% | -157 bps | |
| Net Worth / Assets | 17.59% | 15.60% | 15.58% | 16.07% | 15.78% | 14.23% | 14.03% | 14.50% | -157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.88% | 74.94% | 74.36% | 68.32% | 65.72% | 52.19% | 49.19% | 44.37% | -2,395 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |