Hearne, TX · Cert 10355
FDIC
Q2 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 1.46% | 1.24% | 1.27% | 1.17% | 0.75% | 1.59% | 1.78% | +51 bps | |
| Return on Equity | 10.78% | 12.11% | 10.10% | 10.50% | 10.11% | 6.70% | 14.09% | 15.38% | +488 bps | |
| Net Interest Margin | 3.72% | 3.86% | 3.80% | 3.60% | 3.67% | 3.66% | 3.61% | 3.75% | +15 bps | |
| Efficiency Ratio | 63.40% | 60.96% | 64.20% | 63.51% | 61.62% | 58.13% | 59.50% | 59.90% | -361 bps | |
| Non-Interest Burden | 2.13% | 2.05% | 2.23% | 2.04% | 1.95% | 1.79% | 1.82% | 1.97% | -7 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 | 0.77% | 0.39% | 0.24% | 0.52% | 0.91% | 1.64% | -0.19% | 0.50% | -1 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 |