Dallas, TX · Charter 9593
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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 9593
Q1 2007
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.28% | 0.82% | 0.46% | 2.60% | -3.35% | -4.31% | -1.32% | -69.37% | -7,198 bps | |
| Return on Equity | 29.97% | 9.46% | 5.02% | 26.07% | -46.59% | -67.94% | -20.88% | n/a | n/a | |
| Net Interest Margin | 6.02% | 5.33% | 5.69% | 6.93% | 5.42% | 6.55% | 5.53% | 4.46% | -247 bps | |
| Efficiency Ratio | 58.05% | 55.44% | 66.66% | 68.94% | 103.14% | 96.75% | 81.03% | 150.22% | +8,128 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.16% | 37.46% | 10.68% | 4.15% | 10.49% | -10.55% | 20.52% | 10.28% | +613 bps | |
| Loan Growth (YoY) | 30.82% | 31.61% | 15.54% | 14.04% | -0.83% | 0.66% | 0.92% | 30.86% | +1,682 bps | |
| Share Growth (YoY) | 26.30% | 37.47% | 13.54% | 5.38% | 14.57% | -6.68% | -4.90% | 35.47% | +3,008 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.47% | 2.84% | 4.82% | 15.14% | 11.28% | 9.53% | 7.72% | 8.28% | -686 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 | 2.26% | 1.63% | 1.97% | 1.91% | 0.00% | 1.45% | 1.49% | 17.86% | +1,595 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.94% | 8.68% | 9.20% | 9.99% | 7.19% | 6.35% | 6.30% | -10.35% | -2,034 bps | |
| Net Worth / Assets | 10.94% | 8.68% | 9.20% | 9.99% | 7.19% | 6.35% | 6.30% | -10.35% | -2,034 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.08% | 84.36% | 88.93% | 93.74% | 81.43% | 91.00% | 94.36% | 90.56% | -318 bps | |
| Liquid Assets / Assets | 15.69% | 25.05% | 11.28% | 8.46% | 0.00% | 0.00% | 0.00% | 0.00% | -846 bps | |