Ladonia, TX · Cert 10354
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Ladonia, TX · Cert 10354
FDIC
Q3 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 1.06% | 0.56% | -0.41% | -0.06% | 1.09% | 0.85% | 0.78% | +119 bps | |
| Return on Equity | 7.13% | 13.46% | 7.30% | -5.43% | -0.79% | 14.99% | 11.49% | 10.48% | +1,591 bps | |
| Net Interest Margin | 2.96% | 2.84% | 2.93% | 3.01% | 3.04% | 3.49% | 3.58% | 3.57% | +55 bps | |
| Efficiency Ratio | 85.18% | 87.27% | 90.99% | 92.35% | 89.62% | 77.17% | 77.84% | 79.10% | -1,325 bps | |
| Non-Interest Burden | 2.35% | 2.31% | 2.54% | 2.68% | 2.58% | 2.31% | 2.43% | 2.48% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.19% | -7.77% | -3.81% | -10.05% | -6.75% | -7.88% | -9.98% | -9.95% | +10 bps | |
| Loan Growth (YoY) | -14.59% | -9.86% | -12.20% | -14.47% | -5.22% | -8.65% | -9.61% | -8.94% | +552 bps | |
| Deposit Growth (YoY) | -4.86% | -8.31% | -2.90% | -10.08% | -6.35% | -6.82% | -10.44% | -10.43% | -34 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.64% | 0.18% | 0.09% | 3.15% | 2.30% | 2.00% | 1.65% | 1.11% | -205 bps | |
| Allowance / Loans | 0.66% | 0.69% | 0.79% | 1.10% | 1.10% | 0.73% | 0.80% | 1.12% | +3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 20.46% | 21.98% | 21.03% | 20.55% | 20.91% | 21.74% | 22.31% | 23.58% | +303 bps | |
| Equity / Assets | 7.56% | 8.25% | 7.14% | 7.23% | 7.28% | 7.28% | 7.61% | 7.73% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 30.15% | 31.81% | 30.17% | 29.67% | 30.51% | 31.19% | 30.45% | 30.16% | +49 bps | |
| Liquid Assets / Assets | 6.31% | 6.66% | 6.51% | 6.70% | 6.77% | 0.00% | 0.00% | 0.00% | -670 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |