Port Arthur, TX · Charter 67870
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 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.
Port Arthur, TX · Charter 67870
Q4 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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.31% | 0.48% | 0.48% | 0.30% | 0.18% | 0.14% | 0.44% | -3 bps | |
| Return on Equity | 3.52% | 1.95% | 2.75% | 2.61% | 1.73% | 1.03% | 0.83% | 2.47% | -14 bps | |
| Net Interest Margin | 5.39% | 5.83% | 6.28% | 6.57% | 5.66% | 5.93% | 6.03% | 6.16% | -41 bps | |
| Efficiency Ratio | 80.32% | 84.99% | 83.08% | 83.67% | 84.86% | 86.89% | 87.43% | 94.50% | +1,083 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.18% | 0.58% | -6.56% | -11.39% | -10.48% | -8.26% | -0.97% | 1.20% | +1,259 bps | |
| Loan Growth (YoY) | -5.81% | -4.89% | -0.50% | -0.86% | 1.36% | 0.90% | -1.65% | 6.95% | +781 bps | |
| Share Growth (YoY) | -11.44% | -1.21% | -8.51% | -14.55% | -14.37% | -9.02% | -1.97% | 0.61% | +1,516 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.60% | 3.89% | 4.40% | 2.99% | 3.38% | 3.52% | 3.76% | 1.08% | -191 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 | 2.49% | 2.57% | 2.11% | 1.18% | 1.92% | 2.08% | 2.25% | 1.69% | +52 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.45% | 16.06% | 17.62% | 18.22% | 17.15% | 17.38% | 17.49% | 17.94% | -28 bps | |
| Net Worth / Assets | 15.45% | 16.06% | 17.62% | 18.22% | 17.15% | 17.38% | 17.49% | 17.94% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.54% | 86.87% | 99.08% | 99.41% | 96.51% | 96.34% | 99.40% | 105.68% | +627 bps | |
| Liquid Assets / Assets | 29.86% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |