Portland, TX · Charter 68030
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 | 0.17% | 0.32% | 0.60% | 0.64% | 1.09% | 0.71% | 0.30% | 0.42% | -21 bps | |
| Return on Equity | 1.83% | 3.30% | 5.91% | 6.19% | 10.84% | 7.14% | 3.17% | 4.44% | -175 bps | |
| Net Interest Margin | 3.57% | 3.74% | 3.88% | 3.95% | 5.29% | 4.76% | 4.31% | 4.36% | +41 bps | |
| Efficiency Ratio | 91.87% | 87.77% | 86.70% | 86.85% | 83.95% | 84.58% | 88.38% | 86.89% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.78% | 5.02% | 2.42% | 4.72% | 3.56% | 5.40% | 10.67% | 12.89% | +817 bps | |
| Loan Growth (YoY) | 6.52% | 4.56% | 4.06% | 3.12% | 5.66% | 6.33% | 17.20% | 20.53% | +1,741 bps | |
| Share Growth (YoY) | 7.89% | 5.47% | 1.52% | 4.43% | 2.40% | 4.71% | 10.56% | 14.12% | +969 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.32% | 0.26% | 0.63% | 0.26% | 0.22% | 0.38% | 1.21% | +59 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 | 0.26% | 0.29% | 0.21% | 0.21% | 0.12% | 0.12% | 0.25% | 0.24% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.52% | 9.71% | 10.19% | 10.26% | 10.03% | 9.98% | 9.61% | 9.56% | -70 bps | |
| Net Worth / Assets | 9.52% | 9.71% | 10.19% | 10.26% | 10.03% | 9.98% | 9.61% | 9.56% | -70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.33% | 88.54% | 90.81% | 90.10% | 88.04% | 89.91% | 96.26% | 95.16% | +506 bps | |
| Liquid Assets / Assets | 12.82% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |