Beaumont, TX · Cert 18060
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.46% | 0.28% | 0.18% | -0.02% | 0.15% | 0.06% | -0.88% | -106 bps | |
| Return on Equity | 2.76% | 3.05% | 1.85% | 1.18% | -0.16% | 1.05% | 0.41% | -6.50% | -768 bps | |
| Net Interest Margin | 3.92% | 4.15% | 4.06% | 4.07% | 3.79% | 3.86% | 3.78% | 3.72% | -35 bps | |
| Efficiency Ratio | 80.38% | 80.94% | 87.99% | 91.61% | 101.12% | 91.24% | 94.16% | 104.09% | +1,248 bps | |
| Non-Interest Burden | 3.09% | 3.30% | 3.59% | 3.74% | 3.94% | 3.50% | 3.59% | 3.98% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.95% | 23.45% | 22.27% | 8.74% | 6.85% | 6.60% | 10.74% | 8.76% | +2 bps | |
| Loan Growth (YoY) | 17.93% | 18.06% | 20.44% | 24.60% | 17.49% | 16.58% | 13.46% | 11.70% | -1,289 bps | |
| Deposit Growth (YoY) | 26.27% | 34.97% | 26.70% | 1.86% | 4.94% | 0.63% | 3.80% | 11.96% | +1,010 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 | -0.02% | 0.30% | 0.01% | 0.03% | 0.11% | 0.03% | 0.05% | 0.26% | +22 bps | |
| Allowance / Loans | 0.81% | 0.78% | 0.79% | 0.82% | 0.79% | 0.82% | 0.87% | 1.20% | +38 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 | 13.22% | 12.79% | 12.32% | 11.81% | 11.74% | 11.25% | 11.11% | 10.84% | -97 bps | |
| Equity / Assets | 15.39% | 14.86% | 15.14% | 14.61% | 14.72% | 14.23% | 13.84% | 13.36% | -125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.65% | 79.45% | 88.06% | 90.51% | 86.93% | 92.04% | 96.26% | 90.30% | -21 bps | |
| Liquid Assets / Assets | 0.22% | 0.00% | 0.01% | 0.01% | 0.01% | 0.02% | 0.03% | 0.02% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |