Dallas, TX · Charter 9141
Q1 2008
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Dallas, TX · Charter 9141
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 | -1.63% | -1.08% | -2.06% | 0.04% | -0.10% | -0.03% | -0.07% | -9.49% | -953 bps | |
| Return on Equity | -7.63% | -4.88% | -9.46% | 0.18% | -0.46% | -0.12% | -0.29% | -44.47% | -4,465 bps | |
| Net Interest Margin | 5.50% | 5.67% | 5.84% | 5.08% | 5.16% | 5.45% | 5.50% | 5.10% | +2 bps | |
| Efficiency Ratio | 99.72% | 96.73% | 96.99% | 97.26% | 100.56% | 99.73% | 100.49% | 180.85% | +8,359 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.06% | -11.72% | -13.45% | -7.96% | -6.37% | -7.41% | -6.23% | -8.42% | -46 bps | |
| Loan Growth (YoY) | -27.08% | -23.77% | -22.71% | -20.42% | -12.56% | -15.88% | -14.43% | -10.99% | +943 bps | |
| Share Growth (YoY) | -13.77% | -13.41% | -14.83% | -9.02% | -6.02% | -9.07% | -8.54% | -8.61% | +41 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.78% | 2.15% | 3.35% | 2.76% | 2.94% | 2.73% | 1.69% | 1.49% | -127 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 | 2.98% | 1.23% | 5.62% | 4.63% | 4.65% | 4.01% | 2.96% | 5.65% | +102 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.38% | 22.19% | 21.83% | 21.79% | 21.66% | 22.67% | 23.22% | 21.34% | -45 bps | |
| Net Worth / Assets | 21.38% | 22.19% | 21.83% | 21.79% | 21.66% | 22.67% | 23.22% | 21.34% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.07% | 49.43% | 48.73% | 45.49% | 45.66% | 45.73% | 45.59% | 44.31% | -118 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |