Fort Worth, TX · Charter 702
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Fort Worth, TX · Charter 702
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.11% | 0.09% | -3.55% | -0.91% | -0.86% | -1.31% | -2.61% | +94 bps | |
| Return on Equity | 0.94% | 0.48% | 0.40% | -16.12% | -4.04% | -4.07% | -6.21% | -12.92% | +320 bps | |
| Net Interest Margin | 3.66% | 3.72% | 3.74% | 2.79% | 2.59% | 2.41% | 2.49% | 1.82% | -96 bps | |
| Efficiency Ratio | 84.99% | 87.23% | 87.31% | 105.76% | 78.43% | 89.69% | 109.88% | 393% | +28,678 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.40% | 0.63% | 0.06% | -4.17% | -5.36% | 3.57% | 3.79% | 3.46% | +763 bps | |
| Loan Growth (YoY) | 1.76% | 0.54% | -7.59% | -11.64% | -17.58% | -21.26% | -25.53% | -26.91% | -1,527 bps | |
| Share Growth (YoY) | 5.16% | 0.69% | 0.22% | -4.00% | -5.82% | 5.38% | 6.39% | 5.58% | +958 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 0.94% | 4.51% | 1.15% | 0.16% | 0.19% | 1.25% | 0.13% | -102 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 | 1.53% | 1.77% | 2.00% | 2.28% | 1.98% | 1.97% | 2.38% | 2.69% | +41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.76% | 22.50% | 23.28% | 22.03% | 22.52% | 21.04% | 21.13% | 20.21% | -182 bps | |
| Net Worth / Assets | 21.76% | 22.50% | 23.28% | 22.03% | 22.52% | 21.04% | 21.13% | 20.21% | -182 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.82% | 72.13% | 72.37% | 66.35% | 62.86% | 53.90% | 50.66% | 45.93% | -2,042 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |