Kilgore, TX · Cert 23261
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 | 0.73% | -0.59% | 0.12% | -9.99% | 0.94% | 0.91% | 1.06% | 1.36% | +1,135 bps | |
| Return on Equity | 8.16% | -6.73% | 1.36% | -107.25% | 10.05% | 9.72% | 11.26% | 14.43% | +12,168 bps | |
| Net Interest Margin | 3.18% | 3.12% | 3.23% | 3.22% | 3.02% | 2.94% | 3.10% | 3.32% | +11 bps | |
| Efficiency Ratio | 75.98% | 100.24% | 95.28% | 392% | 70.20% | 71.32% | 67.09% | 67.25% | -32,484 bps | |
| Non-Interest Burden | 1.97% | 3.13% | 2.98% | 18.28% | 1.53% | 1.53% | 1.44% | 1.63% | -1,664 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.55% | 1.03% | 3.89% | -0.18% | -1.85% | 7.47% | 7.81% | 19.92% | +2,011 bps | |
| Loan Growth (YoY) | -2.58% | -7.17% | -7.32% | 0.79% | 3.58% | 2.50% | 6.62% | 1.41% | +61 bps | |
| Deposit Growth (YoY) | 19.09% | 14.26% | 10.19% | 5.14% | 1.71% | 10.12% | 7.13% | 19.83% | +1,469 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 | 0.05% | -0.02% | 1.14% | 0.09% | 0.11% | 1.47% | 0.34% | -0.01% | -10 bps | |
| Allowance / Loans | 1.46% | 1.79% | 1.60% | 1.51% | 1.53% | 1.16% | 1.10% | 0.92% | -59 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 | 12.50% | 12.16% | 12.47% | 11.96% | 12.25% | 12.14% | 12.36% | 12.46% | +51 bps | |
| Equity / Assets | 8.80% | 8.81% | 9.26% | 9.37% | 9.43% | 9.21% | 9.66% | 9.21% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.33% | 64.64% | 61.81% | 64.15% | 61.45% | 60.16% | 61.52% | 54.29% | -987 bps | |
| Liquid Assets / Assets | 5.48% | 0.14% | 0.84% | 0.21% | 3.73% | 6.04% | 1.80% | 9.27% | +906 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |