Wichita Falls, TX · Charter 60549
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.47% | 0.55% | 0.31% | 0.47% | 0.52% | 0.94% | -355% | -35,557 bps | |
| Return on Equity | 6.09% | 5.72% | 6.80% | 4.01% | 6.41% | 7.25% | 13.34% | n/a | n/a | |
| Net Interest Margin | 3.63% | 3.51% | 3.58% | 3.22% | 3.15% | 3.12% | 3.12% | 4.00% | +79 bps | |
| Efficiency Ratio | 84.79% | 86.49% | 91.18% | 94.11% | 88.86% | 87.03% | 78.34% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.85% | 2.88% | 7.06% | 11.87% | 19.11% | 23.08% | 26.77% | -56.91% | -6,878 bps | |
| Loan Growth (YoY) | 2.71% | 6.07% | 8.59% | 12.14% | 24.26% | 27.28% | 32.83% | -48.64% | -6,078 bps | |
| Share Growth (YoY) | 0.22% | 2.50% | 7.11% | 12.60% | 20.31% | 24.48% | 28.37% | 20.13% | +754 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.00% | 0.09% | 0.00% | 0.07% | 0.33% | 0.05% | 6.68% | +668 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 | 0.67% | 0.62% | 0.56% | 0.49% | 0.46% | 0.55% | 0.51% | 18.23% | +1,773 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.17% | 8.21% | 8.08% | 7.62% | 7.32% | 7.23% | 7.01% | 0.00% | -762 bps | |
| Net Worth / Assets | 8.17% | 8.21% | 8.08% | 7.62% | 7.32% | 7.23% | 7.01% | 0.00% | -762 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.34% | 98.05% | 97.64% | 97.61% | 100.54% | 100.26% | 101.04% | 41.73% | -5,588 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |