Brookshire, TX · Cert 25062
FDIC
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
Brookshire, TX · Cert 25062
FDIC
Q4 2006
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 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 1.02% | 1.11% | 1.15% | 1.47% | 1.56% | 1.58% | 1.54% | +39 bps | |
| Return on Equity | 9.82% | 11.37% | 12.00% | 12.31% | 15.16% | 15.77% | 15.38% | 14.63% | +231 bps | |
| Net Interest Margin | 5.50% | 5.82% | 6.33% | 6.11% | 6.73% | 6.98% | 7.39% | 7.53% | +142 bps | |
| Efficiency Ratio | 75.88% | 73.30% | 72.12% | 71.63% | 68.87% | 67.95% | 68.30% | 69.11% | -252 bps | |
| Non-Interest Burden | 4.03% | 4.10% | 4.38% | 4.21% | 4.44% | 4.54% | 4.84% | 5.01% | +80 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.10% | -0.14% | 0.29% | 2.17% | -0.46% | 2.90% | -2.32% | -4.02% | -619 bps | |
| Loan Growth (YoY) | 4.28% | 4.99% | 5.44% | 2.06% | 7.16% | 1.63% | 1.93% | -0.15% | -220 bps | |
| Deposit Growth (YoY) | 0.01% | -1.15% | -1.13% | 1.78% | -1.74% | 2.03% | -3.54% | -5.01% | -680 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 | 0.19% | 0.15% | 0.13% | 0.09% | 0.00% | 0.01% | 0.01% | 0.01% | -9 bps | |
| Allowance / Loans | 1.39% | 1.34% | 1.41% | 1.43% | 1.43% | 1.43% | 1.46% | 1.46% | +3 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 | 12.73% | 12.88% | 13.60% | 13.62% | 13.25% | 13.65% | 14.45% | 14.64% | +102 bps | |
| Equity / Assets | 8.63% | 9.41% | 10.02% | 9.77% | 9.67% | 10.29% | 11.59% | 11.48% | +171 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.78% | 93.48% | 95.14% | 91.03% | 90.28% | 93.11% | 100.53% | 95.70% | +466 bps | |
| Liquid Assets / Assets | 4.85% | 5.12% | 5.14% | 4.98% | 5.28% | 4.83% | 5.25% | 4.75% | -23 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |