Dallas, TX · Charter 3392
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 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.
Dallas, TX · Charter 3392
Q2 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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.26% | -0.44% | -1.09% | -1.02% | -1.85% | -1.35% | 0.35% | -3.90% | -288 bps | |
| Return on Equity | -3.39% | -5.54% | -14.40% | -15.51% | -28.14% | -20.26% | 5.14% | -77.30% | -6,179 bps | |
| Net Interest Margin | 4.08% | 4.24% | 4.19% | 4.25% | 4.24% | 4.31% | 4.48% | 4.76% | +51 bps | |
| Efficiency Ratio | 98.49% | 101.27% | 113.32% | 111.50% | 105.46% | 101.31% | 88.23% | 86.70% | -2,480 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.52% | -8.03% | -11.46% | -10.66% | -6.49% | -1.40% | -3.23% | -4.54% | +612 bps | |
| Loan Growth (YoY) | -11.40% | -9.63% | -8.46% | -2.61% | -3.07% | -6.36% | -7.95% | -13.55% | -1,094 bps | |
| Share Growth (YoY) | -5.75% | -8.52% | -11.76% | -10.04% | -6.23% | -0.53% | -2.21% | -2.96% | +708 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.27% | 6.50% | 3.72% | 2.97% | 1.64% | 3.86% | 3.10% | 0.48% | -249 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 | 0.53% | 0.64% | 0.52% | 1.65% | 0.86% | 0.61% | 0.71% | 1.07% | -58 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.66% | 7.91% | 7.59% | 6.58% | 6.56% | 6.67% | 6.84% | 5.05% | -153 bps | |
| Net Worth / Assets | 7.66% | 7.91% | 7.59% | 6.58% | 6.56% | 6.67% | 6.84% | 5.05% | -153 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.48% | 99.37% | 98.91% | 99.69% | 96.63% | 93.55% | 93.11% | 88.81% | -1,088 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |