Waco, TX · Charter 67454
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
Waco, TX · Charter 67454
Q1 2011
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.28% | -2.79% | -1.28% | -0.80% | -0.26% | -1.40% | 0.17% | -1.68% | -88 bps | |
| Return on Equity | -1.38% | -14.42% | -6.46% | -4.01% | -1.31% | -7.12% | 0.85% | -8.43% | -442 bps | |
| Net Interest Margin | 2.07% | 1.77% | 1.75% | 1.76% | 1.84% | 1.83% | 2.05% | 2.80% | +105 bps | |
| Efficiency Ratio | 79.89% | 90.22% | 88.57% | 89.07% | 72.96% | 88.37% | 84.61% | 84.15% | -491 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.38% | 4.98% | 2.64% | 2.95% | 3.48% | 2.09% | 1.45% | 1.16% | -178 bps | |
| Loan Growth (YoY) | -8.70% | -8.52% | -5.84% | -7.74% | -10.21% | -4.94% | -9.58% | -20.11% | -1,238 bps | |
| Share Growth (YoY) | 3.04% | 7.40% | 3.14% | 3.76% | 3.95% | 2.14% | 2.24% | 2.33% | -143 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.44% | 2.61% | 3.62% | 3.02% | 2.85% | 1.60% | 0.60% | 2.74% | -29 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 | 1.27% | 1.33% | 1.52% | 1.51% | 1.58% | 1.41% | 0.38% | 1.70% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.47% | 19.33% | 19.83% | 19.89% | 19.66% | 19.62% | 20.08% | 19.94% | +5 bps | |
| Net Worth / Assets | 20.47% | 19.33% | 19.83% | 19.89% | 19.66% | 19.62% | 20.08% | 19.94% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.10% | 64.02% | 63.73% | 64.18% | 60.55% | 59.58% | 56.37% | 50.11% | -1,408 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |