Dallas, TX · Charter 67447
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 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.
Dallas, TX · Charter 67447
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 | 0.69% | 0.83% | 0.26% | -3.36% | -4.65% | -5.78% | -4.39% | -4.14% | -78 bps | |
| Return on Equity | 4.13% | 4.92% | 1.52% | -24.31% | -35.02% | -48.19% | -38.03% | -39.41% | -1,510 bps | |
| Net Interest Margin | 5.15% | 5.07% | 4.58% | 3.86% | 4.18% | 4.34% | 4.60% | 4.44% | +57 bps | |
| Efficiency Ratio | 87.47% | 83.67% | 94.85% | 99.34% | 98.36% | 101.45% | 102.15% | 111.80% | +1,246 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.21% | 1.42% | 2.99% | 10.54% | 2.12% | -5.83% | -10.56% | -17.14% | -2,768 bps | |
| Loan Growth (YoY) | 1.37% | 3.71% | -2.02% | -8.81% | -10.45% | -21.36% | -26.54% | -28.10% | -1,929 bps | |
| Share Growth (YoY) | -7.46% | 0.26% | 2.80% | 14.70% | 6.38% | -0.42% | -4.47% | -13.50% | -2,820 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.64% | 4.99% | 7.25% | 16.61% | 14.54% | 9.57% | 11.34% | 19.62% | +300 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 | 5.37% | 4.49% | 4.73% | 7.01% | 7.42% | 5.34% | 6.37% | 6.80% | -20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.82% | 16.82% | 16.87% | 13.81% | 13.29% | 12.00% | 11.53% | 10.50% | -331 bps | |
| Net Worth / Assets | 16.82% | 16.82% | 16.87% | 13.81% | 13.29% | 12.00% | 11.53% | 10.50% | -331 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.72% | 91.36% | 88.42% | 75.05% | 78.90% | 72.15% | 68.00% | 62.39% | -1,267 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |