Orange, TX · Charter 60776
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 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.
Orange, TX · Charter 60776
Q1 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.20% | 0.16% | -2.44% | 0.21% | 0.31% | -0.12% | -32.49% | -3,005 bps | |
| Return on Equity | 0.69% | 0.80% | 0.64% | -10.24% | 0.90% | 1.34% | -0.52% | n/a | n/a | |
| Net Interest Margin | 3.46% | 3.54% | 3.66% | 3.86% | 3.63% | 3.72% | 3.72% | 6.00% | +213 bps | |
| Efficiency Ratio | 95.35% | 94.68% | 95.77% | 88.69% | 70.51% | 75.95% | 88.20% | 247% | +15,849 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.50% | 5.93% | 0.22% | 2.09% | 4.41% | 7.91% | 8.96% | -54.34% | -5,643 bps | |
| Loan Growth (YoY) | 6.38% | 3.61% | 6.38% | 7.48% | 9.18% | 15.31% | 11.61% | -71.84% | -7,932 bps | |
| Share Growth (YoY) | 10.00% | 7.64% | 0.07% | 3.05% | 5.44% | 9.83% | 10.15% | 1.36% | -168 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.30% | 1.14% | 1.06% | 0.75% | 1.03% | 0.42% | 8.78% | +772 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 | 1.48% | 1.36% | 1.32% | 1.34% | 1.30% | 1.28% | 1.27% | 21.90% | +2,056 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.39% | 24.49% | 25.09% | 23.81% | 23.54% | 23.04% | 22.91% | -74.74% | -9,855 bps | |
| Net Worth / Assets | 24.39% | 24.49% | 25.09% | 23.81% | 23.54% | 23.04% | 22.91% | -74.74% | -9,855 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.89% | 83.62% | 90.87% | 87.67% | 87.89% | 87.80% | 92.07% | 24.36% | -6,331 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |