Alamo, TX · Cert 10361
FDIC
Q1 2006
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 1.25% | 1.27% | 1.39% | 1.33% | 1.34% | 1.23% | 0.37% | -102 bps | |
| Return on Equity | 14.32% | 14.51% | 14.71% | 16.09% | 15.30% | 15.33% | 13.91% | 2.23% | -1,387 bps | |
| Net Interest Margin | 4.58% | 4.57% | 4.54% | 4.63% | 4.63% | 4.67% | 4.64% | 1.39% | -324 bps | |
| Efficiency Ratio | 62.74% | 63.45% | 63.71% | 63.78% | 64.37% | 63.59% | 66.01% | 55.63% | -815 bps | |
| Non-Interest Burden | 2.51% | 2.55% | 2.57% | 2.55% | 2.62% | 2.60% | 2.73% | 0.74% | -181 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.53% | 13.22% | 14.20% | 12.33% | 13.11% | 8.66% | 6.47% | 31.86% | +1,953 bps | |
| Loan Growth (YoY) | 14.14% | 14.95% | 16.46% | 16.94% | 15.70% | 12.98% | 7.86% | 3.84% | -1,309 bps | |
| Deposit Growth (YoY) | 15.21% | 13.47% | 17.24% | 14.78% | 16.45% | 9.48% | 5.73% | 11.23% | -355 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 | 0.62% | 0.45% | 0.36% | 0.02% | 0.14% | 0.10% | 0.26% | 0.26% | +24 bps | |
| Allowance / Loans | 0.72% | 0.71% | 0.70% | 0.76% | 0.74% | 0.80% | 0.73% | 0.72% | -4 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 | 12.46% | 12.45% | 12.40% | 12.63% | 12.63% | 12.93% | 13.02% | 12.82% | +19 bps | |
| Equity / Assets | 8.46% | 8.71% | 8.66% | 8.58% | 8.77% | 9.08% | 9.15% | 22.21% | +1,363 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.06% | 79.56% | 79.93% | 78.40% | 79.55% | 82.11% | 81.54% | 73.20% | -520 bps | |
| Liquid Assets / Assets | 0.02% | 0.06% | 0.04% | 0.03% | 0.03% | 0.02% | 0.12% | 0.09% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |