Pampa, TX · Charter 3686
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.
Pampa, TX · Charter 3686
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 | -1.03% | -2.63% | -1.49% | -0.02% | 0.18% | -1.14% | 0.08% | -18.61% | -1,859 bps | |
| Return on Equity | -8.01% | -23.92% | -13.93% | -0.21% | 1.81% | -14.11% | 1.12% | n/a | n/a | |
| Net Interest Margin | 4.03% | 4.35% | 5.40% | 4.90% | 3.43% | 3.31% | 3.39% | 4.52% | -38 bps | |
| Efficiency Ratio | 82.83% | 82.84% | 73.70% | 74.25% | 77.16% | 91.73% | 97.62% | 92.79% | +1,854 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.21% | 10.94% | 8.74% | 9.49% | 14.58% | 18.84% | 25.73% | -0.84% | -1,033 bps | |
| Loan Growth (YoY) | 7.08% | 11.21% | 8.92% | 7.40% | 7.40% | 1.24% | 0.34% | -19.42% | -2,682 bps | |
| Share Growth (YoY) | 20.81% | 18.43% | 12.19% | 9.77% | 18.54% | 23.23% | 30.40% | 20.15% | +1,038 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 16.31% | 23.52% | 19.57% | 24.76% | 22.54% | 24.68% | 24.95% | 15.98% | -878 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 | 4.06% | 6.08% | 4.57% | 4.16% | 4.33% | 1.42% | 1.57% | 12.52% | +835 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.86% | 11.00% | 10.69% | 11.10% | 9.73% | 8.11% | 7.49% | -5.21% | -1,631 bps | |
| Net Worth / Assets | 12.86% | 11.00% | 10.69% | 11.10% | 9.73% | 8.11% | 7.49% | -5.21% | -1,631 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 109.14% | 112.39% | 110.83% | 110.66% | 98.89% | 92.34% | 85.28% | 74.22% | -3,644 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |