Weslaco, TX · Cert 23178
FDIC
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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.
Weslaco, TX · Cert 23178
FDIC
Q2 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 1.05% | 1.22% | 0.14%1 | 0.49% | 0.25% | 0.23%1 | 0.71% | +57 bps | |
| Return on Equity | 16.24% | 13.78% | 14.40% | 1.75% | 5.81% | 2.88% | 2.61% | 7.76% | +601 bps | |
| Net Interest Margin | 3.69% | 3.74% | 3.86% | 3.84% | 4.13% | 4.42% | 4.72% | 4.58% | +74 bps | |
| Efficiency Ratio | 72.54% | 74.13% | 69.60% | 71.96% | 71.06% | 74.45% | 71.06% | 71.15% | -81 bps | |
| Non-Interest Burden | 2.41% | 2.50% | 2.15% | 2.33% | 2.47% | 2.87% | 2.95% | 2.88% | +54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.81% | -7.22% | -8.55% | -14.42% | -25.28% | -15.66% | -7.49% | -14.41% | +2 bps | |
| Loan Growth (YoY) | -11.68% | -16.80% | -13.03% | -13.04% | -2.00% | 18.97% | 10.11% | 3.81% | +1,684 bps | |
| Deposit Growth (YoY) | 11.43% | -7.29% | -9.32% | -14.39% | -27.15% | -16.65% | -7.41% | -16.41% | -202 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 | 0.60% | 0.59% | 0.31% | 2.90% | 2.20% | 1.86% | 2.45% | 1.36% | -153 bps | |
| Allowance / Loans | 1.25% | 1.56% | 1.66% | 1.53% | 1.38% | 1.05% | 1.26% | 1.48% | -5 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 | 14.11% | 15.61% | 15.65% | 15.01% | 15.42% | 14.07% | 14.45% | 16.32% | +130 bps | |
| Equity / Assets | 7.11% | 8.21% | 8.67% | 7.68% | 9.32% | 9.26% | 8.51% | 9.85% | +217 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.69% | 53.64% | 57.04% | 55.74% | 68.19% | 76.56% | 67.83% | 69.22% | +1,348 bps | |
| Liquid Assets / Assets | 1.50% | 1.73% | 1.35% | 1.38% | 1.08% | 1.10% | 0.00% | 0.00% | -138 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |