Arlington, TX · Charter 67467
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 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.
Arlington, TX · Charter 67467
Q1 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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.32% | -0.37% | -0.31% | -0.32% | -0.55% | -0.24% | -0.22% | -1.46% | -114 bps | |
| Return on Equity | -2.28% | -2.71% | -2.13% | -2.21% | -3.78% | -1.63% | -1.43% | -9.38% | -717 bps | |
| Net Interest Margin | 4.49% | 4.38% | 4.73% | 4.83% | 4.97% | 5.02% | 5.42% | 5.18% | +35 bps | |
| Efficiency Ratio | 104.47% | 104.24% | 103.62% | 102.65% | 103.21% | 102.65% | 102.08% | 126.18% | +2,353 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.50% | -4.41% | -10.54% | -3.22% | -6.07% | -7.26% | -7.29% | -10.98% | -776 bps | |
| Loan Growth (YoY) | -9.04% | -12.33% | -5.89% | -6.50% | -9.43% | -2.18% | -8.35% | -4.31% | +220 bps | |
| Share Growth (YoY) | -5.96% | -5.82% | -14.49% | -4.23% | -7.68% | -6.21% | -4.02% | -12.41% | -818 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.55% | 0.00% | 2.32% | 2.82% | 1.36% | 0.06% | 0.08% | 0.08% | -274 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 | 0.68% | 0.80% | 0.76% | 0.88% | 0.48% | 0.24% | 0.26% | 0.26% | -62 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.94% | 13.63% | 14.55% | 14.26% | 14.42% | 14.51% | 15.47% | 15.52% | +126 bps | |
| Net Worth / Assets | 13.94% | 13.63% | 14.55% | 14.26% | 14.42% | 14.51% | 15.47% | 15.52% | +126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.87% | 62.84% | 71.76% | 63.68% | 62.66% | 65.54% | 68.52% | 69.57% | +589 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |