Dallas, TX · Charter 67659
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.32% | 0.44% | 0.42% | 0.35% | 0.36% | 0.38% | -0.27% | -69 bps | |
| Return on Equity | 2.72% | 2.68% | 3.49% | 3.16% | 2.54% | 2.62% | 2.57% | -1.87% | -503 bps | |
| Net Interest Margin | 3.99% | 4.26% | 4.44% | 4.59% | 4.52% | 4.57% | 4.73% | 4.73% | +14 bps | |
| Efficiency Ratio | 80.30% | 77.51% | 76.75% | 78.64% | 81.72% | 83.70% | 84.31% | 88.61% | +997 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.80% | -11.33% | -13.05% | -13.21% | -14.10% | -10.83% | -10.57% | -7.96% | +525 bps | |
| Loan Growth (YoY) | 1.33% | -5.13% | -3.92% | -3.49% | -6.82% | -7.23% | -8.31% | -8.32% | -483 bps | |
| Share Growth (YoY) | -8.14% | -12.12% | -12.75% | -15.52% | -15.90% | -13.21% | -12.26% | -9.70% | +583 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.39% | 2.81% | 1.48% | 1.54% | 1.47% | 1.03% | 1.13% | 1.06% | -48 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 | 3.68% | 3.61% | 2.89% | 2.71% | 2.95% | 2.92% | 2.84% | 2.96% | +25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.36% | 12.02% | 12.72% | 13.29% | 13.65% | 13.91% | 14.59% | 14.18% | +88 bps | |
| Net Worth / Assets | 11.36% | 12.02% | 12.72% | 13.29% | 13.65% | 13.91% | 14.59% | 14.18% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.32% | 55.79% | 57.67% | 60.21% | 59.08% | 59.64% | 60.27% | 61.13% | +92 bps | |
| Liquid Assets / Assets | 24.07% | 24.80% | 23.24% | 20.94% | 21.94% | 0.00% | 0.00% | 0.00% | -2,094 bps | |