Leakey, TX · Cert 21158
FDIC
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.88% | 0.94% | 0.90% | 0.92% | 0.60% | 0.70% | 0.74% | -16 bps | |
| Return on Equity | 8.52% | 8.24% | 8.74% | 8.37% | 8.39% | 5.09% | 5.95% | 6.26% | -211 bps | |
| Net Interest Margin | 3.41% | 3.52% | 3.68% | 3.63% | 3.68% | 3.45% | 3.54% | 3.58% | -5 bps | |
| Efficiency Ratio | 66.53% | 67.41% | 66.36% | 67.22% | 67.18% | 78.52% | 75.99% | 74.35% | +713 bps | |
| Non-Interest Burden | 2.14% | 2.26% | 2.32% | 2.33% | 2.34% | 2.65% | 2.60% | 2.57% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.59% | -4.80% | -1.55% | -4.43% | -4.34% | -8.12% | -6.20% | -6.39% | -196 bps | |
| Loan Growth (YoY) | -4.40% | -6.29% | -4.30% | -7.74% | -9.12% | -6.52% | -9.49% | -7.33% | +41 bps | |
| Deposit Growth (YoY) | 2.64% | -5.55% | -2.12% | -5.17% | -5.10% | -9.79% | -6.99% | -7.45% | -228 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% | 0.16% | 0.08% | 0.17% | 0.14% | 0.03% | 0.06% | 0.13% | -4 bps | |
| Allowance / Loans | 1.23% | 1.28% | 1.31% | 1.36% | 1.42% | 1.48% | 1.54% | 1.59% | +23 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 | 22.01% | 21.92% | 22.54% | 26.03% | 27.95% | 29.01% | 28.54% | 28.99% | +296 bps | |
| Equity / Assets | 10.91% | 10.40% | 10.94% | 10.83% | 11.60% | 12.03% | 11.65% | 11.83% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.23% | 52.39% | 54.69% | 50.30% | 52.89% | 54.29% | 53.22% | 50.37% | +6 bps | |
| Liquid Assets / Assets | 6.86% | 6.44% | 6.60% | 5.83% | 7.51% | 7.71% | 7.75% | 6.84% | +100 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |