Hearne, TX · Cert 10355
FDIC
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 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.
Hearne, TX · Cert 10355
FDIC
Q2 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.37% | 1.40% | 1.24% | 1.25% | 1.22% | 1.10% | 1.59% | 1.68% | +43 bps | |
| Return on Equity | 10.87% | 11.17% | 10.10% | 10.36% | 10.25% | 9.39% | 14.09% | 14.77% | +442 bps | |
| Net Interest Margin | 3.70% | 3.65% | 3.80% | 3.63% | 3.63% | 3.55% | 3.61% | 3.71% | +8 bps | |
| Efficiency Ratio | 63.05% | 62.49% | 64.20% | 63.85% | 63.08% | 61.78% | 59.50% | 59.70% | -415 bps | |
| Non-Interest Burden | 2.11% | 2.04% | 2.23% | 2.09% | 2.04% | 1.93% | 1.82% | 1.91% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.70% | 9.76% | 5.86% | 7.24% | 8.05% | 7.65% | 6.87% | 2.11% | -513 bps | |
| Loan Growth (YoY) | 6.92% | 3.64% | 4.82% | 5.90% | 5.03% | 2.46% | 3.02% | -1.08% | -699 bps | |
| Deposit Growth (YoY) | 6.50% | 11.03% | 6.51% | 8.26% | 8.90% | 8.89% | 7.99% | 2.05% | -621 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 | 0.37% | 0.37% | 0.24% | 0.37% | 0.55% | 0.83% | -0.19% | 0.16% | -22 bps | |
| Allowance / Loans | 0.95% | 1.00% | 1.08% | 1.06% | 1.07% | 1.19% | 1.32% | 1.21% | +15 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 | 19.87% | 19.87% | 20.79% | 19.93% | 19.96% | 19.74% | 20.40% | 20.50% | +57 bps | |
| Equity / Assets | 12.12% | 12.05% | 12.49% | 11.68% | 11.46% | 11.06% | 11.51% | 11.65% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.36% | 64.98% | 65.95% | 65.27% | 63.04% | 61.14% | 62.92% | 63.26% | -200 bps | |
| Liquid Assets / Assets | 2.93% | 2.92% | 3.39% | 3.66% | 3.54% | 3.39% | 3.33% | 3.05% | -61 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |