Dickinson, TX · Charter 60499
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.
Dickinson, TX · Charter 60499
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 | 0.65% | 0.56% | -2.05% | 0.52% | 2.12% | -7.25% | -4.13% | 2.55% | +202 bps | |
| Return on Equity | 5.45% | 3.97% | -14.89% | 3.81% | 15.84% | -84.20% | -28.10% | 15.33% | +1,152 bps | |
| Net Interest Margin | 3.64% | 3.72% | 2.44% | 4.75% | 4.20% | 4.48% | 7.35% | 7.30% | +255 bps | |
| Efficiency Ratio | 83.06% | 85.32% | 183.88% | 89.00% | 50.37% | 87.78% | 80.51% | 65.10% | -2,390 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.02% | -4.93% | -4.64% | -4.51% | 2.85% | -0.94% | -37.21% | -42.64% | -3,812 bps | |
| Loan Growth (YoY) | -26.82% | -4.17% | 9.47% | 16.89% | 32.95% | 9.77% | 5.25% | -7.70% | -2,458 bps | |
| Share Growth (YoY) | -0.99% | -3.91% | -3.72% | -3.60% | 0.56% | 5.13% | -37.95% | -44.27% | -4,067 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.52% | 3.47% | 0.00% | 27.13% | 19.57% | 15.87% | 14.58% | +1,458 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 | 3.70% | 0.01% | 0.21% | 0.62% | 0.64% | 9.72% | 8.66% | 6.72% | +609 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.87% | 14.16% | 13.76% | 13.78% | 13.37% | 8.61% | 14.70% | 16.63% | +285 bps | |
| Net Worth / Assets | 11.87% | 14.16% | 13.76% | 13.78% | 13.37% | 8.61% | 14.70% | 16.63% | +285 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.14% | 63.39% | 68.96% | 65.57% | 61.00% | 66.19% | 116.98% | 108.60% | +4,303 bps | |
| Liquid Assets / Assets | 58.22% | 42.87% | 38.10% | 41.37% | 0.00% | 0.00% | 0.00% | 0.00% | -4,137 bps | |