Dallas, TX · Charter 21700
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 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.
Dallas, TX · Charter 21700
Q1 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.18% | 0.12% | -2.38% | -0.13% | -0.17% | -0.34% | -0.62% | +175 bps | |
| Return on Equity | 1.57% | 1.36% | 0.92% | -18.35% | -1.04% | -1.35% | -2.69% | -5.11% | +1,324 bps | |
| Net Interest Margin | 5.26% | 5.09% | 4.95% | 4.60% | 4.33% | 4.12% | 3.94% | 3.25% | -136 bps | |
| Efficiency Ratio | 96.29% | 96.58% | 97.20% | 96.83% | 101.02% | 98.18% | 103.12% | 117.12% | +2,029 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.64% | -14.08% | -7.94% | -5.31% | -0.67% | 2.44% | 2.38% | 6.98% | +1,229 bps | |
| Loan Growth (YoY) | -13.69% | -18.53% | -1.11% | 8.89% | 12.01% | 17.09% | -1.90% | -9.33% | -1,821 bps | |
| Share Growth (YoY) | -15.88% | -15.47% | -8.97% | -5.55% | -0.85% | 2.71% | 3.14% | 7.99% | +1,354 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.39% | 7.61% | 4.19% | 9.80% | 9.46% | 8.96% | 8.22% | 1.85% | -795 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 | 3.22% | 3.38% | 1.29% | 1.38% | 1.52% | 1.59% | 1.60% | 1.77% | +40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.98% | 13.17% | 13.25% | 12.95% | 13.02% | 12.72% | 12.60% | 12.17% | -78 bps | |
| Net Worth / Assets | 12.98% | 13.17% | 13.25% | 12.95% | 13.02% | 12.72% | 12.60% | 12.17% | -78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.19% | 26.49% | 32.73% | 33.20% | 30.72% | 30.20% | 31.13% | 27.88% | -532 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |