Littlefield, TX · Charter 67482
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.
Littlefield, TX · Charter 67482
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 | 0.42% | -3.88% | -2.10% | -0.55% | -0.60% | 1.52% | -16.49% | -0.65% | -10 bps | |
| Return on Equity | 1.27% | -12.74% | -7.21% | -1.80% | -1.95% | 4.51% | -16.89% | -0.67% | +113 bps | |
| Net Interest Margin | 2.10% | 0.35% | 0.50% | 1.67% | 1.58% | 1.48% | -11.01% | 1.14% | -53 bps | |
| Efficiency Ratio | 62.17% | 244% | 90.84% | 75.04% | 63.80% | 70.43% | n/a | 275% | +19,967 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.12% | 7.76% | 8.93% | 5.59% | 5.23% | -8.12% | -72.85% | -72.53% | -7,812 bps | |
| Loan Growth (YoY) | -24.21% | -4.87% | 12.68% | -6.57% | -22.98% | -45.50% | -79.66% | -91.27% | -8,470 bps | |
| Share Growth (YoY) | 4.26% | 9.54% | 14.04% | 7.98% | 9.01% | -12.49% | -99.41% | -99.41% | -10,739 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.02% | 3.07% | 1.07% | 0.00% | 0.00% | 0.59% | 5.71% | 3.53% | +353 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 | 3.78% | 4.73% | 4.72% | 4.72% | 4.72% | 4.76% | 4.99% | 4.75% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 33.48% | 30.42% | 29.10% | 30.53% | 30.96% | 33.83% | 97.60% | 97.03% | +6,649 bps | |
| Net Worth / Assets | 33.48% | 30.42% | 29.10% | 30.53% | 30.96% | 33.83% | 97.60% | 97.03% | +6,649 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.76% | 25.75% | 29.38% | 25.44% | 21.03% | 16.04% | 1013% | 377% | +35,124 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |