Galveston, TX · Cert 21960
FDIC
Q4 2008
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 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 1.20% | 1.28% | 1.25% | 1.32% | 1.33% | 1.38% | 0.00% | -125 bps | |
| Return on Equity | 11.81% | 13.32% | 14.14% | 13.72% | 13.70% | 14.08% | 14.46% | n/a | n/a | |
| Net Interest Margin | 3.33% | 3.35% | 3.49% | 3.60% | 3.67% | 3.56% | 3.54% | 0.00% | -360 bps | |
| Efficiency Ratio | 54.80% | 54.31% | 53.49% | 55.93% | 56.65% | 55.81% | 54.54% | n/a | n/a | |
| Non-Interest Burden | 1.34% | 1.36% | 1.39% | 1.55% | 1.61% | 1.54% | 1.50% | 0.00% | -155 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.33% | -1.51% | 2.25% | -3.69% | -0.97% | 4.63% | 2.43% | -99.96% | -9,627 bps | |
| Loan Growth (YoY) | 2.06% | 1.64% | 12.48% | 10.81% | 9.86% | 8.27% | 0.13% | -100.00% | -11,081 bps | |
| Deposit Growth (YoY) | 1.19% | -1.74% | 2.44% | -4.49% | -1.63% | 4.48% | 1.84% | -99.95% | -9,547 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Net Charge-Offs / Loans | 0.74% | 0.50% | 0.35% | 0.33% | 0.08% | 0.12% | 0.09% | n/a | n/a | |
| Allowance / Loans | 1.62% | 1.59% | 1.48% | 1.41% | 1.41% | 1.41% | 1.45% | n/a | n/a | |
| 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 | 17.73% | 17.60% | 16.50% | 16.77% | 17.13% | 17.00% | 17.85% | 0.00% | -1,677 bps | |
| Equity / Assets | 9.15% | 8.97% | 9.14% | 9.57% | 9.68% | 9.15% | 9.73% | 0.00% | -957 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.89% | 47.18% | 50.26% | 54.60% | 53.49% | 48.89% | 49.42% | 0.00% | -5,460 bps | |
| Liquid Assets / Assets | 31.39% | 33.97% | 31.59% | 31.98% | 30.12% | 24.57% | 26.66% | 0.00% | -3,198 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |