Wilson, TX · Cert 14594
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Wilson, TX · Cert 14594
FDIC
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.58% | 0.81% | 0.92% | 0.92% | 0.93% | -0.21% | -4.17% | -509 bps | |
| Return on Equity | 5.33% | 4.84% | 7.80% | 9.33% | 9.32% | 9.30% | -1.98% | -44.40% | -5,373 bps | |
| Net Interest Margin | 3.55% | 3.55% | 3.03% | 3.23% | 3.37% | 3.28% | 3.11% | 3.25% | +3 bps | |
| Efficiency Ratio | 77.65% | 78.52% | 79.47% | 77.37% | 77.65% | 75.82% | 85.03% | 90.80% | +1,343 bps | |
| Non-Interest Burden | 2.63% | 2.65% | 2.25% | 2.31% | 2.43% | 2.25% | 2.52% | 2.88% | +57 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.97% | 5.93% | 1.31% | -1.46% | 0.86% | 0.72% | -4.55% | -1.25% | +20 bps | |
| Loan Growth (YoY) | 0.82% | -0.03% | -0.65% | 1.08% | -12.29% | -4.85% | 7.82% | 0.82% | -26 bps | |
| Deposit Growth (YoY) | 13.17% | 7.43% | 2.94% | 2.35% | 3.97% | 1.74% | -5.76% | 0.43% | -192 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 | 0.34% | 0.44% | 1.79% | 0.74% | 0.38% | 0.21% | -0.26% | 2.00% | +126 bps | |
| Allowance / Loans | 2.01% | 2.33% | 2.41% | 2.14% | 2.22% | 2.24% | 2.49% | 2.94% | +80 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 | 32.74% | 30.73% | 30.06% | 28.33% | 29.28% | 28.90% | 28.50% | 19.69% | -864 bps | |
| Equity / Assets | 12.51% | 11.49% | 9.43% | 8.78% | 9.75% | 10.48% | 10.48% | 7.12% | -166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 37.01% | 33.61% | 24.64% | 30.21% | 31.22% | 31.43% | 28.19% | 30.33% | +12 bps | |
| Liquid Assets / Assets | 1.14% | 1.11% | 1.61% | 1.74% | 0.28% | 0.69% | 2.90% | 0.54% | -120 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |