Weslaco, TX · Charter 6820
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Weslaco, TX · Charter 6820
Q4 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.29% | -0.63% | -3.14% | -3.28% | 1.82% | 1.27% | -7.71% | -5.07% | -179 bps | |
| Return on Equity | -41.61% | -7.24% | -41.54% | -44.27% | 24.66% | 16.16% | -303% | -147.06% | -10,279 bps | |
| Net Interest Margin | 6.99% | 7.36% | 7.97% | 8.23% | 6.92% | 7.44% | 8.55% | 8.47% | +24 bps | |
| Efficiency Ratio | 74.80% | 69.76% | 105.68% | 97.48% | 73.07% | 78.72% | 79.84% | 74.84% | -2,264 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.66% | -1.01% | -6.96% | -15.59% | -12.54% | -17.36% | -21.47% | -17.29% | -169 bps | |
| Loan Growth (YoY) | 4.06% | -5.06% | -14.38% | -21.83% | -16.21% | -15.09% | -18.73% | -14.94% | +689 bps | |
| Share Growth (YoY) | 1.58% | -3.90% | -5.10% | -14.02% | -12.06% | -13.79% | -17.38% | -13.65% | +37 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.28% | 9.02% | 9.55% | 9.39% | 11.72% | 13.64% | 15.45% | 18.10% | +872 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 | 2.79% | 2.96% | 2.44% | 2.10% | 2.62% | 1.54% | 6.55% | 12.74% | +1,064 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.90% | 8.74% | 7.55% | 7.40% | 7.37% | 7.87% | 2.54% | 3.45% | -395 bps | |
| Net Worth / Assets | 7.90% | 8.74% | 7.55% | 7.40% | 7.37% | 7.87% | 2.54% | 3.45% | -395 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.59% | 77.31% | 75.74% | 73.53% | 69.17% | 76.13% | 74.50% | 72.43% | -110 bps | |
| Liquid Assets / Assets | 22.53% | 22.24% | 22.13% | 23.06% | 27.59% | 20.36% | 22.90% | 29.69% | +663 bps | |