Fort Worth, TX · Charter 67423
Q4 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2008, the quarter ended December 31, 2008, 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.
Fort Worth, TX · Charter 67423
Q4 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.31% | 0.20% | 0.12% | -0.40% | -0.22% | -0.32% | -1.62% | -174 bps | |
| Return on Equity | 0.85% | 1.63% | 0.95% | 0.56% | -1.92% | -1.08% | -1.56% | -7.80% | -835 bps | |
| Net Interest Margin | 4.75% | 4.44% | 4.90% | 4.70% | 4.50% | 4.58% | 4.42% | 4.62% | -8 bps | |
| Efficiency Ratio | 96.61% | 99.84% | 100.48% | 101.03% | 108.58% | 103.80% | 106.39% | 115.41% | +1,438 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -21.26% | -18.22% | -18.79% | -12.88% | -6.15% | -7.06% | 3.07% | -7.01% | +588 bps | |
| Loan Growth (YoY) | -24.79% | -26.69% | -11.52% | -6.87% | -1.68% | 6.79% | -2.18% | -10.68% | -381 bps | |
| Share Growth (YoY) | -25.15% | -21.67% | -22.96% | -16.05% | -7.82% | -8.79% | 4.46% | -6.84% | +921 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.44% | 2.62% | 3.21% | 3.56% | 3.25% | 3.15% | 3.37% | 4.68% | +112 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 | 2.25% | 2.18% | 2.41% | 2.31% | 2.36% | 2.42% | 2.52% | 1.28% | -102 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.43% | 19.29% | 21.32% | 20.89% | 20.68% | 20.59% | 20.42% | 20.84% | -5 bps | |
| Net Worth / Assets | 19.43% | 19.29% | 21.32% | 20.89% | 20.68% | 20.59% | 20.42% | 20.84% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.71% | 40.58% | 48.23% | 49.07% | 47.69% | 47.51% | 45.16% | 47.05% | -203 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |