Dallas, TX · Charter 67536
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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 67536
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.34% | -0.11% | -0.84% | 1.16% | 0.46% | 0.64% | 0.23% | -0.67% | -183 bps | |
| Return on Equity | -1.80% | -0.60% | -4.31% | 5.78% | 2.27% | 3.09% | 1.08% | -3.12% | -890 bps | |
| Net Interest Margin | 3.30% | 3.51% | 3.61% | 3.49% | 3.38% | 3.27% | 3.23% | 3.23% | -27 bps | |
| Efficiency Ratio | 108.93% | 102.82% | 104.51% | 107.11% | 109.37% | 112.91% | 113.84% | 125.91% | +1,879 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.36% | -6.64% | -14.88% | -17.88% | -9.42% | -8.79% | -5.16% | -7.36% | +1,052 bps | |
| Loan Growth (YoY) | -26.51% | -25.54% | -19.65% | -36.50% | -36.83% | -32.06% | -35.00% | -29.31% | +719 bps | |
| Share Growth (YoY) | -8.16% | -8.66% | -17.00% | -21.05% | -11.22% | -10.69% | -6.63% | -9.06% | +1,199 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.28% | 4.39% | 4.75% | 2.19% | 1.03% | 0.74% | 4.78% | 0.40% | -179 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 | 2.13% | 1.78% | 2.63% | 1.97% | 1.94% | 1.44% | 2.01% | 1.92% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.97% | 19.28% | 19.51% | 20.05% | 20.49% | 20.84% | 20.79% | 21.40% | +135 bps | |
| Net Worth / Assets | 18.97% | 19.28% | 19.51% | 20.05% | 20.49% | 20.84% | 20.79% | 21.40% | +135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.78% | 43.29% | 44.01% | 36.65% | 35.42% | 32.93% | 30.63% | 28.49% | -816 bps | |
| Liquid Assets / Assets | 46.64% | 34.70% | 39.14% | 44.62% | 33.05% | 40.85% | 30.11% | 43.56% | -107 bps | |