|
Quarterly Trend Analysis
| Balance Sheet ($) |
|
|
Y-Y |
|
Q-Q |
| |
2007 Q2 |
2006 Q2 |
Ch (%) |
2007 Q1 |
Ch (%) |
| Loans Held for Investment, before Reserves |
49,426,970 |
43,160,957 |
14.52 |
47,845,623 |
3.31 |
| Loan Loss Reserve |
344,573 |
326,047 |
5.68 |
336,722 |
2.33 |
| Net Loans Receivable |
49,082,397 |
42,834,910 |
14.59 |
47,508,901 |
3.31 |
| Total Assets |
89,202,595 |
72,700,736 |
22.7 |
86,198,003 |
3.49 |
| Deposits |
77,159,952 |
61,669,778 |
25.12 |
74,205,931 |
3.98 |
| Common Equity |
11,163,557 |
10,679,701 |
4.53 |
11,135,399 |
0.25 |
| Total Shareholders' Equity |
11,163,557 |
10,679,701 |
4.53 |
11,135,399 |
0.25 |
| Shares Outstanding (actual) |
610,175 |
607,675 |
0.41 |
607,675 |
0.41 |
| |
|
|
|
|
|
| Income Statement ($) |
|
|
Y-Y |
|
Q-Q |
| |
2007 Q2 |
2006 Q2 |
Ch (%) |
2007 Q1 |
Ch (%) |
| Net Interest Income |
769,943 |
721,341 |
6.74 |
741,316 |
3.86 |
| Provision for Loan Losses |
8,550 |
1,050 |
714.29 |
6,050 |
41.32 |
| Noninterest Income |
65,604 |
47,219 |
38.94 |
57,532 |
14.03 |
| Noninterest Expense |
743,343 |
650,135 |
14.34 |
717,904 |
3.54 |
| Net Income Before Taxes |
83,654 |
117,375 |
-28.73 |
74,894 |
11.7 |
| Provision for Taxes |
0 |
0 |
-- |
0 |
-- |
| Net Income |
83,654 |
117,375 |
-28.73 |
74,894 |
11.7 |
| |
|
|
|
|
|
| Per Share Items ($) |
|
|
Y-Y |
|
Q-Q |
| |
2007 Q2 |
2006 Q2 |
Ch (%) |
2007 Q1 |
Ch (%) |
| Book Value Per Share |
18.3 |
17.57 |
4.1 |
18.32 |
-0.13 |
| Diluted EPS Before Extra |
0.14 |
0.19 |
-26.32 |
0.12 |
16.67 |
| Diluted EPS After Extra |
0.14 |
0.19 |
-26.32 |
0.12 |
16.67 |
| Dividends Declared |
0 |
0 |
-- |
0 |
-- |
| |
|
|
|
|
|
| Performance Ratios (%) |
|
|
Y-Y |
|
Q-Q |
| |
2007 Q2 |
2006 Q2 |
Ch (bp) |
2007 Q1 |
Ch (bp) |
| ROAA |
0.38 |
0.67 |
-29 |
0.36 |
2 |
| ROAE |
3 |
4.41 |
-141 |
2.71 |
29 |
| Net Interest Margin |
3.87 |
4.65 |
-78 |
3.91 |
-4 |
| Loans / Deposits |
64.06 |
69.99 |
-593 |
64.48 |
-42 |
| Efficiency Ratio |
88.96 |
84.59 |
437 |
89.87 |
-91 |
| |
|
|
|
|
|
| Balance Sheet Ratios (%) |
|
|
Y-Y |
|
Q-Q |
| |
2007 Q2 |
2006 Q2 |
Ch (bp) |
2007 Q1 |
Ch (bp) |
| Tangible Equity / Tangible Assets |
12.51 |
14.69 |
-218 |
12.92 |
-41 |
| Equity / Assets |
12.51 |
14.69 |
-218 |
12.92 |
-41 |
| |
|
|
|
|
|
| Asset Quality Ratios (%) |
|
|
Y-Y |
|
Q-Q |
| |
2007 Q2 |
2006 Q2 |
Ch (bp) |
2007 Q1 |
Ch (bp) |
| Nonperforming Assets / Assets |
0.08 |
0 |
8 |
0.01 |
7 |
| Loan Loss Reserves / Gross Loans |
0.7 |
0.75 |
-5 |
0.7 |
0 |
| Loan Loss Reserves / NPAs |
NM |
NM |
NM |
NM |
NM |
| Net Charge-offs / Avg Loans |
0 |
0.01 |
-1 |
0 |
0 |
| |
|
|
|
|
|
| Regulatory Capital Ratios (%) |
|
|
Y-Y |
|
Q-Q |
| |
2007 Q2 |
2006 Q2 |
Ch (bp) |
2007 Q1 |
Ch (bp) |
| Tier 1 Capital Ratio |
18.89 |
21.51 |
-262 |
19.57 |
-68 | |
