Grapeland, TX · Cert 11910
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 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.
Grapeland, TX · Cert 11910
FDIC
Q3 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.75% | 0.45% | 0.42% | 0.46% | 0.69% | 0.59% | 0.32% | -10 bps | |
| Return on Equity | 8.40% | 9.81% | 5.91% | 5.46% | 6.02% | 9.06% | 7.87% | 4.34% | -112 bps | |
| Net Interest Margin | 2.12% | 2.61% | 2.37% | 2.40% | 2.39% | 2.78% | 2.53% | 2.47% | +7 bps | |
| Efficiency Ratio | 79.89% | 75.35% | 84.08% | 81.96% | 80.18% | 73.81% | 75.71% | 77.76% | -419 bps | |
| Non-Interest Burden | 1.60% | 1.85% | 1.91% | 1.87% | 1.81% | 1.91% | 1.79% | 1.80% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.02% | 14.04% | 16.87% | 4.98% | 3.69% | 7.02% | 11.14% | 10.43% | +544 bps | |
| Loan Growth (YoY) | 21.56% | 26.68% | 39.13% | 34.47% | 33.36% | 36.17% | 26.77% | 19.69% | -1,478 bps | |
| Deposit Growth (YoY) | 9.90% | 10.30% | 15.57% | 2.29% | 4.47% | 6.26% | 2.48% | 5.32% | +303 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 | 0.20% | -0.04% | 0.01% | 0.02% | 0.01% | 0.06% | 0.13% | 0.16% | +14 bps | |
| Allowance / Loans | 0.47% | 0.46% | 0.40% | 0.50% | 0.55% | 0.57% | 0.56% | 0.79% | +29 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 | 24.21% | 23.59% | 21.01% | 19.34% | 19.08% | 17.25% | 16.46% | 15.78% | -356 bps | |
| Equity / Assets | 7.43% | 7.77% | 7.71% | 7.77% | 7.78% | 7.46% | 7.24% | 7.15% | -62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.62% | 67.96% | 74.29% | 83.51% | 82.49% | 87.08% | 91.90% | 94.90% | +1,139 bps | |
| Liquid Assets / Assets | 28.66% | 46.86% | 40.96% | 35.60% | 35.48% | 29.40% | 27.44% | 24.57% | -1,103 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |