Houston, TX · Cert 1194
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.56% | -0.74% | -0.31% | -1.82% | -1.73% | -0.22% | -0.88% | -2.00% | -18 bps | |
| Return on Equity | -7.08% | -10.11% | -3.53% | -20.15% | -18.14% | -1.95% | -7.64% | -18.04% | +211 bps | |
| Net Interest Margin | 4.46% | 4.22% | 4.92% | 4.78% | 3.00% | 4.06% | 3.12% | 3.06% | -171 bps | |
| Efficiency Ratio | 101.10% | 115.87% | 98.66% | 110.54% | 116.49% | 85.89% | 110.49% | 119.01% | +846 bps | |
| Non-Interest Burden | 4.59% | 4.98% | 4.91% | 5.36% | 3.57% | 3.43% | 3.51% | 3.72% | -164 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 91.62% | 26.52% | -1.90% | 31.62% | 1.85% | 54.36% | 51.89% | 46.42% | +1,480 bps | |
| Loan Growth (YoY) | 87.81% | 27.49% | 16.71% | 36.46% | 47.75% | 74.94% | 82.36% | 64.90% | +2,844 bps | |
| Deposit Growth (YoY) | 89.38% | 31.74% | -3.99% | 36.98% | -4.08% | 48.47% | 48.47% | 39.56% | +257 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 | 0.00% | 0.12% | 0.03% | 0.87% | 0.59% | 0.12% | 0.06% | 0.61% | -27 bps | |
| Allowance / Loans | 1.12% | 1.08% | 1.10% | 1.10% | 1.09% | 1.09% | 1.10% | 1.24% | +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 | 8.46% | 9.05% | 10.55% | 8.75% | 10.97% | 11.63% | 11.47% | 11.20% | +246 bps | |
| Equity / Assets | 6.68% | 8.13% | 9.54% | 8.53% | 10.50% | 11.49% | 11.48% | 10.72% | +219 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.36% | 85.02% | 84.38% | 90.62% | 102.22% | 100.18% | 103.64% | 107.08% | +1,646 bps | |
| Liquid Assets / Assets | 10.53% | 2.67% | 0.36% | 0.58% | 0.01% | 0.02% | 0.05% | 0.01% | -57 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |