Tilden, TX · Cert 22393
FDIC
Q2 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.21% | 1.15% | -1.08% | -1.41% | 0.01% | -1.45% | -0.27% | -0.36% | +105 bps | |
| Return on Equity | -14.43% | 12.94% | -12.58% | -17.24% | 0.14% | -18.94% | -3.84% | -6.13% | +1,111 bps | |
| Net Interest Margin | 3.29% | 3.48% | 2.97% | 3.00% | 3.19% | 3.19% | 3.25% | 3.12% | +12 bps | |
| Efficiency Ratio | 130.45% | 113.24% | 128.79% | 129.97% | 121.92% | 119.94% | 112.89% | 111.31% | -1,866 bps | |
| Non-Interest Burden | 4.49% | 4.04% | 4.05% | 4.07% | 4.02% | 3.94% | 3.74% | 3.53% | -54 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 | 0.43% | -1.25% | -0.31% | 1.20% | -0.10% | -0.16% | -0.24% | 0.21% | -99 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 |