Sinton, TX · Cert 1217
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 | 1.01% | 0.91% | 1.06% | 1.77% | 1.27% | 1.43% | 1.52% | 1.40% | -37 bps | |
| Return on Equity | 11.54% | 9.85% | 11.88% | 20.86% | 14.69% | 16.12% | 17.39% | 15.81% | -506 bps | |
| Net Interest Margin | 2.82% | 2.78% | 2.93% | 3.02% | 3.07% | 3.33% | 3.41% | 3.46% | +45 bps | |
| Efficiency Ratio | 73.37% | 76.42% | 72.21% | 64.15% | 67.90% | 65.00% | 64.03% | 67.50% | +335 bps | |
| Non-Interest Burden | 1.83% | 1.92% | 1.87% | 1.27% | 1.85% | 1.86% | 1.88% | 2.06% | +79 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.28% | 5.53% | 6.49% | -1.88% | 4.30% | 2.75% | 0.58% | 0.16% | +205 bps | |
| Loan Growth (YoY) | 42.71% | 13.98% | -5.18% | -10.20% | -9.39% | -10.25% | -10.56% | -9.32% | +87 bps | |
| Deposit Growth (YoY) | -3.74% | 8.04% | 6.54% | -2.16% | 4.87% | 3.70% | 0.42% | -0.46% | +171 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 | -0.08% | -0.10% | 0.00% | 0.06% | 0.00% | 0.06% | 0.07% | 0.00% | -6 bps | |
| Allowance / Loans | 3.61% | 3.60% | 4.21% | 4.29% | 3.99% | 4.01% | 4.71% | 4.73% | +44 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 | 24.51% | 23.32% | 25.06% | 24.84% | 26.52% | 25.76% | 27.99% | 29.77% | +493 bps | |
| Equity / Assets | 9.35% | 9.12% | 8.73% | 8.24% | 9.03% | 8.65% | 8.83% | 8.83% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 33.97% | 33.21% | 27.71% | 25.77% | 29.35% | 28.74% | 24.68% | 23.48% | -230 bps | |
| Liquid Assets / Assets | 40.09% | 39.17% | 40.21% | 38.39% | 42.47% | 44.45% | 46.32% | 41.63% | +324 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |