Dallas, TX · Charter 67553
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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 67553
Q2 2006
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.64% | -0.36% | -3.42% | -0.53% | -2.19% | -76.43% | -110.71% | -10,729 bps | |
| Return on Equity | 2.38% | 2.52% | -0.94% | -9.29% | -1.30% | -4.67% | -188.34% | -699% | -68,922 bps | |
| Net Interest Margin | 6.16% | 6.40% | 37.62% | 21.65% | 17.47% | 16.58% | 14.98% | 16.40% | -525 bps | |
| Efficiency Ratio | 87.80% | 90.36% | 100.92% | 115.05% | 102.50% | 112.30% | 52.74% | 2684% | +256,847 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.95% | -14.43% | -28.10% | -21.37% | -21.24% | -28.14% | -34.54% | -47.16% | -2,579 bps | |
| Loan Growth (YoY) | 9.41% | 15.30% | -17.86% | -20.46% | -12.57% | -22.97% | -26.50% | -23.94% | -348 bps | |
| Share Growth (YoY) | -21.24% | -20.36% | -39.15% | -29.78% | -33.93% | -46.32% | -36.30% | -55.07% | -2,529 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 28.69% | 28.55% | 31.06% | 21.49% | 10.05% | 13.96% | 24.72% | 14.34% | -715 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 | 3.41% | 3.41% | 3.74% | 3.95% | 2.51% | 2.85% | 13.60% | 13.83% | +988 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 33.05% | 25.33% | 38.70% | 36.79% | 40.80% | 46.85% | 40.58% | 15.85% | -2,094 bps | |
| Net Worth / Assets | 33.05% | 25.33% | 38.70% | 36.79% | 40.80% | 46.85% | 40.58% | 15.85% | -2,094 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 111.97% | 116.59% | 135.51% | 124.88% | 148.18% | 167.31% | 156.35% | 211% | +8,653 bps | |
| Liquid Assets / Assets | 26.59% | 24.71% | 19.15% | 24.53% | 17.67% | 0.00% | 20.32% | 0.00% | -2,453 bps | |