PackageTrendsPeer
Letter portraitLegal landscape

Permian Basin

Odessa, TX · Charter 68250

Q1 2008

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Permian Basin

Odessa, TX · Charter 68250

Q1 2008

$7.6MAssets
$4.8MLoans
$6.2MShares
$1.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.56%, down 17 bps year over year; NIM at 4.26%.
  • Asset quality: problem loans at 0.08% of loans (-76 bps YoY).
  • Capital: net worth / assets of 16.82%, down 26 bps from a year ago.
  • Funding: loans stand at 77.04% of shares as of Q1 2008.

Return on Assets (YTD, annualized)

0.56%-17 bps YoY

Net Interest Margin (YTD, annualized)

4.26%+37 bps YoY

Efficiency Ratio (YTD, annualized)

90.98%-487 bps YoY

Net Worth / Assets

16.82%-26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets-0.08%-0.10%0.04%0.73%0.48%0.52%0.53%0.56%-17 bps
Return on Equity-0.49%-0.59%0.22%4.28%2.80%3.07%3.05%3.34%-94 bps
Net Interest Margin4.11%4.23%4.37%3.88%4.07%4.05%4.20%4.26%+37 bps
Efficiency Ratio101.03%100.49%94.17%95.85%95.01%91.09%89.33%90.98%-487 bps
Growth
Asset Growth (YoY)2.47%-4.69%2.57%0.69%1.64%7.37%7.08%4.49%+380 bps
Loan Growth (YoY)5.50%0.51%-1.33%1.44%0.90%-1.51%8.00%8.56%+712 bps
Share Growth (YoY)2.42%-5.96%2.38%-0.69%1.86%8.74%8.48%6.34%+703 bps
Asset Quality
Delinquent Loans / Loans0.33%0.40%1.21%0.84%0.65%0.32%0.30%0.08%-76 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.72%0.79%1.18%0.88%0.71%0.66%0.78%0.74%-14 bps
Capital
Risk-Based Capital17.14%17.61%17.98%17.08%17.18%16.90%17.32%16.82%-26 bps
Net Worth / Assets17.14%17.61%17.98%17.08%17.18%16.90%17.32%16.82%-26 bps
Liquidity & Funding
Loans / Shares75.30%79.90%79.25%75.47%74.59%72.37%78.90%77.04%+158 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps