Kenedy, TX · Charter 67556
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Kenedy, TX · Charter 67556
Q2 2007
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | -0.14% | 0.07% | -0.14% | -0.09% | -0.22% | -0.44% | -7.55% | -741 bps | |
| Return on Equity | -0.21% | -0.83% | 0.39% | -0.68% | -0.45% | -1.07% | -2.27% | -46.53% | -4,585 bps | |
| Net Interest Margin | 3.72% | 3.58% | 3.74% | 3.96% | 4.00% | 3.76% | 3.38% | -3.58% | -755 bps | |
| Efficiency Ratio | 88.36% | 94.13% | 93.80% | 99.67% | 98.21% | 101.59% | 107.53% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.71% | -15.19% | -20.38% | -25.72% | -20.25% | -17.15% | -9.96% | -2.96% | +2,275 bps | |
| Loan Growth (YoY) | 0.07% | -0.61% | -0.60% | -0.88% | -6.22% | -8.47% | -16.01% | -18.23% | -1,736 bps | |
| Share Growth (YoY) | -14.76% | -17.70% | -26.35% | -30.26% | -24.08% | -20.40% | -7.93% | 2.01% | +3,227 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.15% | 1.85% | 0.88% | 0.00% | 0.77% | 1.36% | 1.52% | 1.33% | +133 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 | 1.83% | 1.89% | 1.41% | 1.48% | 1.61% | 1.76% | 1.98% | 1.95% | +47 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.62% | 16.97% | 18.50% | 20.25% | 20.63% | 20.26% | 19.50% | 16.22% | -402 bps | |
| Net Worth / Assets | 16.62% | 16.97% | 18.50% | 20.25% | 20.63% | 20.26% | 19.50% | 16.22% | -402 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.54% | 65.05% | 74.56% | 80.43% | 79.72% | 74.79% | 68.02% | 64.47% | -1,596 bps | |
| Liquid Assets / Assets | 19.67% | 25.13% | 20.99% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |