Monahans, TX · Charter 7327
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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.
Monahans, TX · Charter 7327
Q1 2004
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 0.96% | 0.88% | -1.02% | -0.23% | 0.06% | 0.16% | -4.12% | -310 bps | |
| Return on Equity | 6.55% | 5.53% | 4.75% | -5.70% | -1.27% | 0.32% | 0.81% | -22.88% | -1,718 bps | |
| Net Interest Margin | 4.09% | 3.97% | 4.27% | 4.08% | 3.99% | 4.19% | 4.19% | 3.73% | -35 bps | |
| Efficiency Ratio | 78.44% | 79.95% | 78.09% | 84.54% | 86.26% | 80.76% | 81.86% | 161.33% | +7,679 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 30.93% | 36.96% | 13.20% | 12.71% | 0.02% | -6.98% | -2.98% | -3.87% | -1,658 bps | |
| Loan Growth (YoY) | 4.27% | -1.41% | -4.07% | 1.10% | 0.02% | 4.12% | 4.07% | -6.11% | -721 bps | |
| Share Growth (YoY) | 35.69% | 43.22% | 15.13% | 14.80% | -0.20% | -9.08% | -5.14% | -3.26% | -1,806 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 2.59% | 1.55% | 0.35% | 1.20% | 2.90% | 2.76% | 3.40% | +305 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 | 0.38% | 0.41% | 0.27% | 0.44% | 0.46% | 0.96% | 0.90% | 0.89% | +45 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.75% | 17.43% | 18.46% | 17.89% | 17.91% | 18.90% | 19.19% | 18.00% | +11 bps | |
| Net Worth / Assets | 17.75% | 17.43% | 18.46% | 17.89% | 17.91% | 18.90% | 19.19% | 18.00% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.58% | 66.31% | 69.71% | 72.83% | 72.74% | 75.93% | 76.48% | 70.68% | -214 bps | |
| Liquid Assets / Assets | 32.72% | 40.80% | 33.63% | 34.65% | 24.86% | 23.72% | 23.01% | 28.86% | -579 bps | |