Port Neches, TX · Charter 67646
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Port Neches, TX · Charter 67646
Q1 2008
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.50% | 0.52% | 0.58% | 0.77% | 0.55% | 0.58% | 0.29% | -30 bps | |
| Return on Equity | 4.27% | 4.10% | 4.09% | 4.53% | 5.99% | 4.03% | 4.19% | 2.13% | -240 bps | |
| Net Interest Margin | 4.59% | 4.73% | 4.83% | 4.48% | 4.60% | 4.73% | 4.68% | 4.08% | -40 bps | |
| Efficiency Ratio | 80.27% | 81.94% | 82.87% | 85.43% | 82.14% | 85.16% | 84.41% | 95.14% | +972 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.28% | 9.17% | -12.36% | -11.56% | -4.65% | -5.21% | -2.98% | -0.64% | +1,092 bps | |
| Loan Growth (YoY) | 1.98% | 2.24% | 3.51% | 3.99% | 7.39% | 6.62% | 5.87% | 5.88% | +189 bps | |
| Share Growth (YoY) | 16.67% | 12.08% | -14.44% | -13.60% | -6.16% | -6.72% | -3.48% | -0.90% | +1,269 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.18% | 0.81% | 1.04% | 0.59% | 1.05% | 0.91% | 0.80% | 0.66% | +7 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 | 1.47% | 1.47% | 1.39% | 1.31% | 1.25% | 1.24% | 1.29% | 1.16% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.65% | 12.30% | 12.80% | 12.86% | 12.86% | 13.54% | 13.78% | 13.42% | +55 bps | |
| Net Worth / Assets | 11.65% | 12.30% | 12.80% | 12.86% | 12.86% | 13.54% | 13.78% | 13.42% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.54% | 80.98% | 85.36% | 85.09% | 86.45% | 92.56% | 93.64% | 90.92% | +582 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |