Wilson, TX · Cert 14594
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.39% | 0.81% | 1.01% | 0.91% | 0.97% | -0.21% | -8.11% | -912 bps | |
| Return on Equity | 3.77% | 3.22% | 7.80% | 11.05% | 9.86% | 9.58% | -1.98% | -91.77% | -10,282 bps | |
| Net Interest Margin | 3.57% | 3.51% | 3.03% | 3.26% | 3.35% | 3.11% | 3.11% | 3.20% | -6 bps | |
| Efficiency Ratio | 82.57% | 81.04% | 79.47% | 75.35% | 78.21% | 70.73% | 85.03% | 96.77% | +2,143 bps | |
| Non-Interest Burden | 2.94% | 2.68% | 2.25% | 2.24% | 2.43% | 1.79% | 2.52% | 3.07% | +83 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 | 0.03% | 0.66% | 1.79% | -0.09% | -0.34% | -0.27% | -0.26% | 4.25% | +434 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 |