Presidio, TX · Cert 21962
FDIC
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, 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.
Presidio, TX · Cert 21962
FDIC
Q4 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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.23% | 2.20% | 2.12% | 1.81% | 1.28% | 1.47% | 1.56% | 1.48% | -33 bps | |
| Return on Equity | 26.09% | 25.42% | 23.62% | 19.76% | 12.93% | 14.71% | 15.20% | 14.11% | -565 bps | |
| Net Interest Margin | 4.46% | 4.40% | 4.47% | 4.38% | 4.31% | 4.23% | 4.33% | 4.15% | -23 bps | |
| Efficiency Ratio | 53.92% | 56.06% | 58.67% | 63.37% | 65.91% | 65.29% | 64.52% | 65.64% | +227 bps | |
| Non-Interest Burden | 1.96% | 2.05% | 2.18% | 2.42% | 2.57% | 2.49% | 2.52% | 2.47% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.14% | 4.21% | 3.17% | 3.47% | 3.92% | 1.58% | 4.17% | 5.17% | +169 bps | |
| Loan Growth (YoY) | 7.47% | 6.41% | 4.00% | 1.81% | 5.00% | 7.22% | 4.81% | 7.84% | +603 bps | |
| Deposit Growth (YoY) | 6.62% | 5.38% | 4.50% | 1.81% | 2.31% | -0.11% | 2.81% | 3.37% | +156 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 | -0.06% | 0.00% | -0.04% | 0.38% | -0.94% | -0.13% | 0.10% | 0.84% | +46 bps | |
| Allowance / Loans | 2.05% | 2.13% | 2.14% | 1.85% | 2.10% | 1.94% | 1.87% | 1.17% | -68 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 | 23.57% | 24.06% | 24.12% | 25.11% | 23.95% | 24.68% | 24.91% | 25.04% | -7 bps | |
| Equity / Assets | 8.59% | 8.90% | 9.94% | 9.86% | 9.91% | 10.25% | 10.99% | 11.30% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 33.48% | 35.16% | 36.63% | 34.09% | 34.36% | 37.74% | 37.34% | 35.57% | +148 bps | |
| Liquid Assets / Assets | 0.35% | 0.37% | 0.70% | 0.68% | 0.67% | 0.72% | 1.10% | 1.05% | +37 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |