Presidio, TX · Cert 21962
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 2.15% | 1.96% | 0.92% | 1.28% | 1.65% | 1.76% | 1.27% | +35 bps | |
| Return on Equity | 26.09% | 24.63% | 20.83% | 9.26% | 12.93% | 16.34% | 16.53% | 11.35% | +209 bps | |
| Net Interest Margin | 4.46% | 4.38% | 4.44% | 4.31% | 4.31% | 4.15% | 4.33% | 4.11% | -21 bps | |
| Efficiency Ratio | 53.92% | 58.23% | 63.72% | 78.41% | 65.91% | 64.65% | 62.96% | 69.05% | -936 bps | |
| Non-Interest Burden | 1.96% | 2.15% | 2.39% | 3.21% | 2.57% | 2.41% | 2.46% | 2.62% | -59 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% | 0.05% | -0.11% | 1.63% | -0.94% | 0.66% | 0.56% | 3.07% | +144 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 |