Webster, TX · Cert 18929
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Webster, TX · Cert 18929
FDIC
Q3 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.91% | 0.88% | 0.91% | 0.90% | 1.22% | 1.20% | 0.88% | -4 bps | |
| Return on Equity | 8.88% | 10.31% | 9.99% | 10.56% | 10.28% | 13.64% | 13.27% | 9.40% | -116 bps | |
| Net Interest Margin | 3.56% | 3.70% | 3.83% | 3.72% | 3.74% | 4.15% | 4.45% | 4.52% | +80 bps | |
| Efficiency Ratio | 66.03% | 63.38% | 63.84% | 63.89% | 65.58% | 58.81% | 60.25% | 70.16% | +627 bps | |
| Non-Interest Burden | 2.23% | 2.21% | 2.31% | 2.25% | 2.33% | 2.24% | 2.52% | 3.06% | +81 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.79% | 10.81% | 4.09% | 11.91% | 5.23% | 10.53% | 7.62% | 2.70% | -921 bps | |
| Loan Growth (YoY) | 13.99% | 10.12% | 19.41% | 16.12% | 10.16% | 10.97% | 3.10% | 9.55% | -657 bps | |
| Deposit Growth (YoY) | 16.69% | 15.04% | 1.31% | 12.00% | 1.58% | 12.58% | 9.27% | 4.68% | -731 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 | 0.14% | 0.10% | 0.08% | 0.08% | 0.09% | 0.04% | 0.07% | 0.05% | -3 bps | |
| Allowance / Loans | 1.00% | 1.00% | 0.99% | 1.00% | 1.00% | 0.99% | 0.98% | 0.98% | -3 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 | 12.90% | 12.54% | 12.09% | 12.57% | 12.86% | 12.45% | 12.67% | 13.97% | +140 bps | |
| Equity / Assets | 8.77% | 8.82% | 8.74% | 8.36% | 8.96% | 8.87% | 9.25% | 10.25% | +190 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.62% | 102.83% | 113.02% | 98.80% | 104.79% | 101.37% | 106.64% | 103.39% | +459 bps | |
| Liquid Assets / Assets | 1.03% | 0.89% | 0.87% | 1.18% | 1.11% | 0.05% | 0.00% | 0.00% | -118 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |