Dallas, TX · Charter 24732
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 24732
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 | 2.75% | 2.16% | -0.41% | -0.50% | 0.72% | 0.11% | 0.08% | 1.82% | +233 bps | |
| Return on Equity | 88.12% | 64.87% | -32.06% | -45.13% | 45.09% | 8.12% | 5.21% | 93.14% | +13,826 bps | |
| Net Interest Margin | 6.85% | 6.54% | 4.72% | 3.09% | 3.75% | 5.21% | 5.92% | 3.43% | +33 bps | |
| Efficiency Ratio | 61.41% | 69.62% | 103.90% | 60.77% | 60.77% | 72.59% | 77.67% | 70.20% | +943 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 33.86% | 25.51% | 8.66% | 10.76% | 7.63% | 5.23% | -8.65% | -9.62% | -2,038 bps | |
| Loan Growth (YoY) | 135.36% | 83.28% | 35.69% | 9.19% | 1.25% | -9.40% | -12.02% | -18.39% | -2,758 bps | |
| Share Growth (YoY) | 31.62% | 25.84% | 6.62% | 9.13% | 7.31% | 5.70% | -8.84% | -10.15% | -1,928 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 12.94% | 4.30% | 0.00% | 28.31% | 27.90% | 9.68% | 22.42% | +2,242 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 | 0.40% | 0.48% | 0.58% | 0.67% | 0.93% | 2.07% | 2.46% | 1.73% | +106 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 3.12% | 3.33% | 1.28% | 1.11% | 1.59% | 1.32% | 1.49% | 1.96% | +84 bps | |
| Net Worth / Assets | 3.12% | 3.33% | 1.28% | 1.11% | 1.59% | 1.32% | 1.49% | 1.96% | +84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.85% | 63.22% | 60.15% | 60.98% | 60.24% | 54.19% | 58.05% | 55.38% | -560 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |