Yoakum, TX · Charter 67923
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.
Yoakum, TX · Charter 67923
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 | 0.08% | 0.16% | 0.13% | 0.09% | 0.35% | 0.44% | 0.47% | -4.26% | -434 bps | |
| Return on Equity | 0.69% | 1.35% | 1.12% | 0.73% | 2.94% | 3.67% | 3.93% | -55.19% | -5,592 bps | |
| Net Interest Margin | 3.29% | 3.24% | 3.18% | 3.28% | 3.56% | 3.66% | 3.77% | 3.82% | +55 bps | |
| Efficiency Ratio | 97.47% | 95.07% | 95.86% | 97.38% | 90.27% | 88.10% | 85.69% | 137.65% | +4,027 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.76% | -2.14% | -0.25% | 0.32% | 3.55% | 1.77% | 1.55% | -1.43% | -176 bps | |
| Loan Growth (YoY) | 13.60% | 9.36% | 7.33% | 6.39% | 9.15% | 8.69% | 9.88% | 9.49% | +309 bps | |
| Share Growth (YoY) | -5.73% | -2.56% | -0.35% | 0.27% | 3.97% | 1.81% | 1.36% | 2.17% | +190 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.87% | 1.54% | 2.28% | 1.22% | 3.31% | 2.93% | 4.78% | +250 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 | 0.80% | 0.73% | 0.51% | 0.50% | 0.48% | 0.49% | 0.53% | 3.40% | +289 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.04% | 11.88% | 11.78% | 11.80% | 11.78% | 11.90% | 11.94% | 7.71% | -409 bps | |
| Net Worth / Assets | 12.04% | 11.88% | 11.78% | 11.80% | 11.78% | 11.90% | 11.94% | 7.71% | -409 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.79% | 94.77% | 96.52% | 98.61% | 101.62% | 101.17% | 104.64% | 105.67% | +706 bps | |
| Liquid Assets / Assets | 14.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |