Laredo, TX · Cert 22563
FDIC
Q3 2005
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 1.14% | 1.03% | 1.08% | 1.10% | 0.94% | 0.41% | 0.69% | -39 bps | |
| Return on Equity | 9.79% | 10.62% | 9.69% | 9.94% | 10.04% | 8.29% | 3.62% | 6.01% | -393 bps | |
| Net Interest Margin | 3.13% | 3.68% | 3.51% | 3.59% | 3.52% | 3.39% | 1.26% | 2.03% | -156 bps | |
| Efficiency Ratio | 61.79% | 58.09% | 60.32% | 59.68% | 59.12% | 64.46% | 57.06% | 56.06% | -362 bps | |
| Non-Interest Burden | 1.64% | 1.80% | 1.79% | 1.80% | 1.74% | 1.85% | 0.60% | 0.94% | -86 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.91% | -1.19% | 1.43% | 0.61% | 0.36% | 2.40% | 2.98% | 6.06% | +545 bps | |
| Loan Growth (YoY) | 16.90% | 3.33% | -0.59% | -0.58% | -2.14% | -3.58% | -2.24% | -4.20% | -362 bps | |
| Deposit Growth (YoY) | 24.24% | -1.86% | 1.97% | -0.57% | -0.72% | 2.36% | 2.16% | 6.16% | +674 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 | 0.16% | 0.03% | 0.09% | 0.09% | 0.16% | 0.15% | 0.18% | 0.21% | +12 bps | |
| Allowance / Loans | 1.16% | 1.24% | 1.30% | 1.37% | 1.36% | 1.43% | 1.45% | 1.50% | +13 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 | 14.93% | 15.18% | 15.53% | 16.37% | 16.70% | 17.30% | 18.11% | 18.92% | +255 bps | |
| Equity / Assets | 10.39% | 11.07% | 10.57% | 11.40% | 11.39% | 11.28% | 11.42% | 11.60% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.98% | 54.69% | 53.02% | 54.96% | 53.20% | 51.51% | 50.74% | 49.59% | -537 bps | |
| Liquid Assets / Assets | 0.03% | 0.12% | 4.74% | 3.26% | 2.10% | 1.61% | 1.36% | 1.34% | -192 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |