Beeville, TX · Cert 10701
FDIC
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 2.06% | 2.06% | 2.10% | 1.51% | 1.76% | 1.73% | 1.74% | -37 bps | |
| Return on Equity | 22.31% | 25.38% | 26.47% | 29.05% | 21.05% | 23.04% | 21.25% | 20.53% | -852 bps | |
| Net Interest Margin | 3.12% | 3.33% | 3.20% | 2.90% | 2.73% | 3.01% | 3.10% | 3.15% | +24 bps | |
| Efficiency Ratio | 61.95% | 56.64% | 56.78% | 59.83% | 62.20% | 58.06% | 59.75% | 61.19% | +135 bps | |
| Non-Interest Burden | 1.37% | 1.21% | 1.14% | 0.90% | 1.27% | 1.24% | 1.34% | 1.48% | +58 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% | 0.07% | 0.04% | 0.02% | -0.14% | 0.04% | 0.04% | -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 |