Tilden, TX · Cert 22393
FDIC
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Tilden, TX · Cert 22393
FDIC
Q2 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.24% | 0.09% | -1.08% | -1.26% | -0.83% | -0.99% | -0.27% | -0.31% | +94 bps | |
| Return on Equity | -2.87% | 1.05% | -12.58% | -14.76% | -9.91% | -12.09% | -3.84% | -4.97% | +979 bps | |
| Net Interest Margin | 3.51% | 3.58% | 2.97% | 2.98% | 3.08% | 3.07% | 3.25% | 3.14% | +16 bps | |
| Efficiency Ratio | 124.17% | 121.49% | 128.79% | 129.37% | 126.84% | 125.08% | 112.89% | 112.12% | -1,725 bps | |
| Non-Interest Burden | 4.51% | 4.50% | 4.05% | 4.05% | 4.08% | 4.00% | 3.74% | 3.59% | -46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.56% | -11.69% | -7.89% | -7.28% | -1.04% | 5.57% | 3.43% | 34.81% | +4,209 bps | |
| Loan Growth (YoY) | 8.19% | -6.16% | -6.96% | -9.19% | -12.50% | -12.20% | -10.94% | -19.46% | -1,027 bps | |
| Deposit Growth (YoY) | -14.90% | -12.46% | -7.55% | -8.48% | -0.32% | 7.67% | 4.79% | 41.25% | +4,973 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 | 0.02% | -0.30% | -0.31% | 0.44% | 0.28% | 0.17% | -0.24% | -0.03% | -47 bps | |
| Allowance / Loans | 1.60% | 1.09% | 1.18% | 1.09% | 0.70% | 0.77% | 0.69% | 0.73% | -37 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 | 16.75% | 16.95% | 16.19% | 16.03% | 16.03% | 15.52% | 15.14% | 14.29% | -174 bps | |
| Equity / Assets | 8.65% | 9.18% | 8.06% | 8.34% | 8.00% | 7.34% | 6.88% | 5.11% | -323 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.01% | 54.63% | 51.02% | 51.98% | 47.41% | 44.55% | 43.36% | 29.64% | -2,234 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |