Beeville, TX · Cert 10701
FDIC
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
Beeville, TX · Cert 10701
FDIC
Q4 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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.78% | 1.92% | 1.96% | 1.99% | 1.51% | 1.64% | 1.66% | 1.68% | -31 bps | |
| Return on Equity | 22.31% | 24.00% | 24.78% | 25.84% | 21.05% | 22.11% | 21.76% | 21.42% | -442 bps | |
| Net Interest Margin | 3.12% | 3.29% | 3.14% | 2.77% | 2.73% | 2.92% | 3.05% | 2.91% | +14 bps | |
| Efficiency Ratio | 61.95% | 59.26% | 58.41% | 58.83% | 62.20% | 60.08% | 59.97% | 60.29% | +146 bps | |
| Non-Interest Burden | 1.37% | 1.32% | 1.21% | 1.01% | 1.27% | 1.28% | 1.33% | 1.30% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.26% | 5.16% | 10.38% | 18.71% | 17.50% | 15.12% | 5.68% | -0.49% | -1,920 bps | |
| Loan Growth (YoY) | 17.80% | 7.56% | -12.17% | -17.43% | -19.83% | -14.99% | -2.53% | 11.04% | +2,847 bps | |
| Deposit Growth (YoY) | 7.42% | 5.56% | 16.11% | 19.82% | 19.01% | 16.01% | 4.60% | -2.25% | -2,207 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 | -0.03% | 0.02% | 0.03% | 0.03% | -0.14% | -0.05% | -0.02% | -0.02% | -4 bps | |
| Allowance / Loans | 1.96% | 1.98% | 2.30% | 2.46% | 2.46% | 2.34% | 2.38% | 2.23% | -23 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 | 18.71% | 18.17% | 19.53% | 20.58% | 21.63% | 21.52% | 23.11% | 23.10% | +252 bps | |
| Equity / Assets | 8.12% | 8.08% | 7.53% | 6.98% | 7.36% | 7.90% | 8.38% | 8.52% | +154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 41.58% | 42.33% | 33.07% | 27.92% | 28.01% | 31.02% | 30.82% | 31.71% | +380 bps | |
| Liquid Assets / Assets | 37.47% | 38.82% | 38.02% | 37.64% | 40.28% | 44.81% | 44.77% | 42.55% | +491 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |