Odessa, TX · Charter 67662
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.24% | 2.14% | 2.68% | 2.66% | 2.44% | 2.30% | 1.89% | 1.66% | -100 bps | |
| Return on Equity | 10.89% | 10.17% | 12.19% | 11.82% | 11.13% | 10.64% | 8.74% | 7.67% | -415 bps | |
| Net Interest Margin | 5.09% | 5.14% | 5.97% | 5.71% | 5.47% | 5.19% | 4.81% | 4.64% | -107 bps | |
| Efficiency Ratio | 56.76% | 56.22% | 50.15% | 50.90% | 51.77% | 52.58% | 62.09% | 54.02% | +312 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.74% | 0.67% | -2.55% | -3.48% | 3.57% | 8.81% | 12.38% | 13.45% | +1,693 bps | |
| Loan Growth (YoY) | -0.62% | 2.20% | 11.70% | 12.37% | 18.94% | 18.21% | 7.89% | 6.76% | -562 bps | |
| Share Growth (YoY) | -1.15% | -1.90% | -5.87% | -6.90% | -0.51% | 8.03% | 12.80% | 14.66% | +2,156 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.97% | 0.50% | 0.65% | 0.83% | 1.78% | 1.11% | 1.44% | 1.16% | +34 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 | 0.41% | 0.41% | 0.53% | 0.54% | 0.54% | 0.59% | 0.62% | 0.76% | +22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.57% | 21.06% | 21.98% | 22.49% | 21.96% | 21.60% | 21.64% | 21.68% | -81 bps | |
| Net Worth / Assets | 20.57% | 21.06% | 21.98% | 22.49% | 21.96% | 21.60% | 21.64% | 21.68% | -81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.12% | 98.52% | 106.84% | 110.76% | 113.72% | 107.81% | 102.19% | 103.13% | -763 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |