Irving, TX · Charter 5724
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Irving, TX · Charter 5724
Q1 2007
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.13% | 0.18% | 0.42% | 0.49% | 0.45% | 0.41% | -0.05% | -46 bps | |
| Return on Equity | 0.90% | 1.17% | 1.60% | 3.78% | 4.37% | 3.84% | 3.45% | -0.41% | -419 bps | |
| Net Interest Margin | 3.34% | 3.31% | 3.31% | 3.21% | 3.28% | 3.00% | 3.36% | 3.28% | +7 bps | |
| Efficiency Ratio | 90.22% | 89.24% | 88.16% | 88.09% | 88.01% | 88.37% | 89.88% | 98.32% | +1,023 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.84% | -2.35% | 0.80% | 0.40% | 5.70% | 2.93% | 1.86% | 1.40% | +100 bps | |
| Loan Growth (YoY) | -3.28% | 3.77% | 5.89% | 6.15% | 4.12% | -1.70% | -6.25% | -5.92% | -1,207 bps | |
| Share Growth (YoY) | -7.88% | -3.56% | 0.73% | 0.61% | 6.60% | 3.28% | 1.65% | 1.04% | +43 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.55% | 0.38% | 0.41% | 0.40% | 0.37% | 0.61% | 0.34% | -7 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% | 0.53% | 0.52% | 0.49% | 0.46% | 0.42% | 0.45% | 0.46% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.46% | 11.50% | 11.55% | 11.02% | 11.22% | 11.63% | 11.74% | 11.14% | +12 bps | |
| Net Worth / Assets | 11.46% | 11.50% | 11.55% | 11.02% | 11.22% | 11.63% | 11.74% | 11.14% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.17% | 79.99% | 80.81% | 73.92% | 74.40% | 76.13% | 74.52% | 68.83% | -509 bps | |
| Liquid Assets / Assets | 18.46% | 19.29% | 20.64% | 26.14% | 0.00% | 0.00% | 0.00% | 0.00% | -2,614 bps | |