Garland, TX · Charter 67614
Q1 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.27% | 1.37% | 1.54% | 0.13% | 0.43% | -14.45% | -13.40% | -1.71% | -184 bps | |
| Return on Equity | 8.76% | 8.94% | 9.69% | 0.85% | 2.74% | -233% | -282% | -37.77% | -3,862 bps | |
| Net Interest Margin | 9.20% | 9.62% | 8.97% | 9.35% | 8.36% | 5.94% | 6.31% | 5.83% | -352 bps | |
| Efficiency Ratio | 56.93% | 56.62% | 60.00% | 68.25% | 67.22% | 101.43% | 99.21% | 129.72% | +6,147 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.48% | 3.37% | -1.14% | 0.74% | -1.08% | -7.21% | -12.75% | -13.63% | -1,438 bps | |
| Loan Growth (YoY) | 2.19% | 2.51% | -4.98% | -15.96% | -16.61% | -17.42% | -17.80% | -17.32% | -137 bps | |
| Share Growth (YoY) | 8.15% | 2.27% | -2.74% | 0.52% | -2.71% | 2.61% | -1.60% | -3.12% | -364 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 14.92% | 12.56% | 23.88% | 22.98% | 22.12% | 23.01% | 23.59% | 31.75% | +877 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 | 3.63% | 4.34% | 3.45% | 3.00% | 2.67% | 12.50% | 9.60% | 10.98% | +798 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.53% | 15.30% | 15.84% | 15.36% | 15.76% | 6.20% | 4.75% | 4.53% | -1,084 bps | |
| Net Worth / Assets | 14.53% | 15.30% | 15.84% | 15.36% | 15.76% | 6.20% | 4.75% | 4.53% | -1,084 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.75% | 112.48% | 106.93% | 92.38% | 89.79% | 90.52% | 89.32% | 78.84% | -1,354 bps | |
| Liquid Assets / Assets | 9.68% | 4.03% | 8.53% | 18.96% | 0.00% | 0.00% | 0.00% | 0.00% | -1,896 bps | |