Odessa, TX · Charter 68250
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 | -0.08% | -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 Margin | 4.11% | 4.23% | 4.37% | 3.88% | 4.07% | 4.05% | 4.20% | 4.26% | +37 bps | |
| Efficiency Ratio | 101.03% | 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 / Loans | 0.33% | 0.40% | 1.21% | 0.84% | 0.65% | 0.32% | 0.30% | 0.08% | -76 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 | 0.72% | 0.79% | 1.18% | 0.88% | 0.71% | 0.66% | 0.78% | 0.74% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.14% | 17.61% | 17.98% | 17.08% | 17.18% | 16.90% | 17.32% | 16.82% | -26 bps | |
| Net Worth / Assets | 17.14% | 17.61% | 17.98% | 17.08% | 17.18% | 16.90% | 17.32% | 16.82% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.30% | 79.90% | 79.25% | 75.47% | 74.59% | 72.37% | 78.90% | 77.04% | +158 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |