San Antonio, TX · Cert 19112
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 | 0.74% | 0.73% | 0.73% | 0.78% | 0.70% | 0.67% | 0.59% | 0.56% | -22 bps | |
| Return on Equity | 9.17% | 8.99% | 9.42% | 10.60% | 8.98% | 8.58% | 7.37% | 7.00% | -361 bps | |
| Net Interest Margin | 3.16% | 3.19% | 3.19% | 2.85% | 2.94% | 3.36% | 3.38% | 3.41% | +56 bps | |
| Efficiency Ratio | 75.67% | 75.59% | 77.33% | 74.75% | 76.95% | 78.48% | 78.29% | 79.03% | +428 bps | |
| Non-Interest Burden | 2.26% | 2.29% | 2.36% | 2.04% | 2.17% | 2.54% | 2.56% | 2.61% | +57 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.41% | -5.66% | 4.59% | 23.26% | -16.78% | 0.21% | -13.19% | -20.90% | -4,417 bps | |
| Loan Growth (YoY) | -5.35% | -2.49% | -10.41% | -1.83% | -23.04% | -26.64% | -21.50% | -17.76% | -1,593 bps | |
| Deposit Growth (YoY) | 14.10% | -5.52% | 5.64% | 26.89% | -16.92% | 3.04% | -12.24% | -20.67% | -4,756 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 | 0.00% | 0.00% | 0.01% | 0.09% | 0.08% | 0.06% | 0.01% | 0.01% | -8 bps | |
| Allowance / Loans | 0.55% | 0.51% | 0.54% | 0.48% | 0.65% | 0.63% | 0.62% | 0.58% | +10 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 | 21.24% | 19.62% | 19.88% | 18.03% | 21.03% | 17.61% | 17.71% | 17.59% | -44 bps | |
| Equity / Assets | 7.79% | 8.16% | 7.45% | 6.53% | 9.52% | 7.81% | 8.32% | 7.92% | +139 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.84% | 75.36% | 63.94% | 57.16% | 60.98% | 53.65% | 57.19% | 59.26% | +210 bps | |
| Liquid Assets / Assets | 0.52% | 0.57% | 0.72% | 0.09% | 0.16% | 0.16% | 0.19% | 0.17% | +8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |