Brownwood, TX · Charter 67442
Q2 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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.53% | 0.36% | 0.07% | 0.43% | 0.45% | 0.62% | 0.42% | +35 bps | |
| Return on Equity | 5.17% | 4.85% | 3.42% | 0.68% | 4.09% | 4.23% | 6.08% | 4.10% | +341 bps | |
| Net Interest Margin | 4.27% | 4.17% | 4.14% | 4.21% | 4.22% | 4.18% | 3.51% | 3.38% | -83 bps | |
| Efficiency Ratio | 88.11% | 88.01% | 82.71% | 88.17% | 84.57% | 83.15% | 81.74% | 84.99% | -318 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.33% | 32.69% | 30.45% | 12.27% | 10.19% | 7.35% | 6.59% | 7.78% | -449 bps | |
| Loan Growth (YoY) | 4.58% | 5.00% | 3.75% | 2.99% | -1.63% | -5.97% | -11.10% | -10.92% | -1,391 bps | |
| Share Growth (YoY) | 27.55% | 36.44% | 34.77% | 13.75% | 12.02% | 7.94% | 6.73% | 9.40% | -435 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.80% | 2.87% | 3.58% | 1.78% | 1.99% | 0.76% | 0.68% | 1.42% | -36 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 | 0.89% | 0.67% | 0.89% | 0.93% | 0.98% | 0.81% | 0.88% | 0.92% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.20% | 10.94% | 10.39% | 10.43% | 10.60% | 10.64% | 10.24% | 10.28% | -15 bps | |
| Net Worth / Assets | 11.20% | 10.94% | 10.39% | 10.43% | 10.60% | 10.64% | 10.24% | 10.28% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.59% | 79.62% | 73.72% | 72.81% | 70.77% | 69.36% | 61.41% | 59.29% | -1,352 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |