El Paso, TX · Charter 60711
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
El Paso, TX · Charter 60711
Q3 2009
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.28% | 4.49% | 2.80% | -2.32% | -10.67% | -5.68% | -4.47% | -8.16% | -584 bps | |
| Return on Equity | 35.36% | 37.71% | 23.32% | -26.11% | -684% | -4457% | n/a | n/a | n/a | |
| Net Interest Margin | 5.97% | 6.95% | 6.81% | 6.86% | 7.82% | 6.51% | 6.55% | 6.40% | -46 bps | |
| Efficiency Ratio | 53.36% | 51.91% | 52.67% | 53.60% | 54.61% | 101.46% | 93.09% | 99.32% | +4,572 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 31.77% | 31.19% | 29.40% | 20.73% | 0.34% | -9.75% | -18.29% | -24.88% | -4,561 bps | |
| Loan Growth (YoY) | 34.78% | 28.72% | 22.27% | 17.84% | 1.64% | -14.15% | -27.24% | -38.13% | -5,597 bps | |
| Share Growth (YoY) | 29.60% | 21.42% | 21.11% | 11.49% | 5.50% | 4.35% | -4.64% | -7.12% | -1,861 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.71% | 4.59% | 4.98% | 6.30% | 5.36% | 4.36% | 3.43% | 2.89% | -341 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 | 0.76% | 0.72% | 1.50% | 5.80% | 11.96% | 7.66% | 6.94% | 8.38% | +257 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.09% | 11.92% | 12.01% | 8.88% | 1.56% | 0.13% | -0.58% | -4.32% | -1,320 bps | |
| Net Worth / Assets | 12.09% | 11.92% | 12.01% | 8.88% | 1.56% | 0.13% | -0.58% | -4.32% | -1,320 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.44% | 103.33% | 104.20% | 108.45% | 98.70% | 85.01% | 79.50% | 72.24% | -3,621 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |