Mesquite, TX · Charter 68031
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Mesquite, TX · Charter 68031
Q1 2008
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.22% | 0.25% | -0.29% | 0.01% | 0.08% | -2.85% | -30.63% | -3,034 bps | |
| Return on Equity | 3.29% | 2.53% | 3.03% | -3.54% | 0.17% | 1.00% | -45.80% | n/a | n/a | |
| Net Interest Margin | 2.59% | 2.48% | 2.40% | 2.21% | 2.45% | 2.42% | 2.71% | 3.02% | +82 bps | |
| Efficiency Ratio | 89.69% | 92.06% | 91.07% | 101.60% | 92.92% | 92.99% | 95.25% | 178.58% | +7,699 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.71% | 14.76% | 7.28% | 7.93% | 3.69% | 3.06% | -7.47% | -26.10% | -3,403 bps | |
| Loan Growth (YoY) | 1.56% | -1.55% | 1.67% | -4.62% | 6.43% | 7.91% | -2.69% | -18.67% | -1,404 bps | |
| Share Growth (YoY) | 14.70% | 19.46% | 7.27% | 7.05% | 3.12% | 3.01% | -3.77% | -18.21% | -2,526 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.09% | 4.62% | 2.73% | 0.26% | 1.60% | 0.73% | 1.99% | 3.04% | +277 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 | 0.96% | 1.10% | 1.05% | 0.54% | 0.51% | 0.54% | 4.37% | 11.41% | +1,087 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.69% | 8.53% | 8.40% | 8.18% | 8.51% | 8.43% | 6.23% | 0.00% | -818 bps | |
| Net Worth / Assets | 8.69% | 8.53% | 8.40% | 8.18% | 8.51% | 8.43% | 6.23% | 0.00% | -818 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.01% | 74.88% | 80.24% | 74.53% | 81.55% | 78.44% | 81.14% | 74.11% | -42 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |