Sachse, TX · Cert 25016
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 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.
Sachse, TX · Cert 25016
FDIC
Q4 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.54% | 1.63% | 1.70% | 1.75% | 1.78% | 1.83% | 1.84% | 1.63% | -12 bps | |
| Return on Equity | 12.96% | 13.70% | 14.04% | 14.29% | 14.15% | 14.39% | 14.30% | 12.43% | -185 bps | |
| Net Interest Margin | 4.41% | 4.38% | 4.37% | 4.42% | 4.61% | 4.60% | 4.60% | 4.68% | +26 bps | |
| Efficiency Ratio | 58.93% | 56.61% | 55.25% | 54.17% | 51.99% | 50.67% | 50.26% | 54.63% | +46 bps | |
| Non-Interest Burden | 2.31% | 2.16% | 2.07% | 2.03% | 2.04% | 1.98% | 1.98% | 2.26% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.11% | -2.96% | -0.04% | 4.41% | 2.13% | 4.57% | 0.90% | -3.33% | -774 bps | |
| Loan Growth (YoY) | 2.53% | 2.34% | 5.57% | 11.61% | 14.09% | 9.66% | 2.96% | -6.26% | -1,787 bps | |
| Deposit Growth (YoY) | -2.92% | -3.92% | -1.82% | 3.30% | -0.23% | -0.97% | -1.51% | -4.28% | -757 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 | 0.39% | 0.21% | 0.28% | 0.21% | 0.00% | 0.01% | -0.01% | -0.01% | -22 bps | |
| Allowance / Loans | 1.30% | 1.22% | 1.06% | 1.03% | 1.05% | 1.05% | 1.09% | 1.17% | +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 | 17.39% | 17.38% | 17.34% | 17.46% | 17.04% | 17.21% | 18.99% | 19.43% | +198 bps | |
| Equity / Assets | 12.02% | 12.06% | 12.65% | 12.76% | 12.46% | 12.89% | 13.49% | 13.94% | +118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.54% | 80.10% | 82.73% | 82.62% | 86.38% | 88.71% | 86.47% | 80.91% | -171 bps | |
| Liquid Assets / Assets | 0.86% | 0.88% | 0.86% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 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 |