Weatherford, TX · Cert 15832
FDIC
Q4 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 1.03% | 1.10% | 1.15% | 1.39% | 1.42% | 1.48% | 1.50% | +35 bps | |
| Return on Equity | 10.90% | 12.68% | 13.38% | 13.92% | 16.31% | 16.65% | 17.36% | 17.71% | +379 bps | |
| Net Interest Margin | 4.54% | 4.29% | 4.23% | 4.16% | 4.61% | 4.67% | 4.60% | 4.49% | +33 bps | |
| Efficiency Ratio | 71.32% | 68.37% | 66.42% | 64.64% | 61.25% | 60.51% | 59.19% | 58.43% | -621 bps | |
| Non-Interest Burden | 2.86% | 2.47% | 2.33% | 2.22% | 2.26% | 2.27% | 2.19% | 2.11% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.99% | 18.78% | 21.69% | 20.12% | 12.98% | 11.79% | 13.73% | 20.46% | +35 bps | |
| Loan Growth (YoY) | 26.33% | 21.04% | 18.67% | 17.69% | 14.49% | 19.89% | 19.94% | 16.97% | -72 bps | |
| Deposit Growth (YoY) | 13.58% | 17.12% | 23.07% | 17.77% | 12.57% | 9.83% | 14.25% | 23.02% | +525 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 | 0.12% | 0.20% | 0.20% | 0.20% | 0.05% | 0.11% | 0.12% | 0.16% | -4 bps | |
| Allowance / Loans | 1.24% | 1.25% | 1.25% | 1.27% | 1.28% | 1.28% | 1.25% | 1.25% | -2 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 | 10.36% | 10.46% | 10.93% | 10.85% | 11.21% | 10.78% | 10.54% | 10.55% | -30 bps | |
| Equity / Assets | 8.22% | 7.77% | 8.33% | 8.39% | 8.61% | 8.58% | 8.57% | 8.21% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.88% | 86.90% | 89.02% | 91.63% | 93.45% | 94.86% | 93.46% | 87.12% | -451 bps | |
| Liquid Assets / Assets | 0.12% | 4.84% | 2.16% | 2.75% | 1.10% | 1.06% | 0.99% | 0.92% | -183 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |