Granbury, TX · Cert 25233
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 | 1.29% | 1.18% | 1.33% | 1.28% | 1.16% | 0.91% | 1.01% | 1.28% | 0 bps | |
| Return on Equity | 17.55% | 16.43% | 19.30% | 18.67% | 17.14% | 14.79% | 16.06% | 19.98% | +131 bps | |
| Net Interest Margin | 2.88% | 3.04% | 3.03% | 3.04% | 2.95% | 2.86% | 2.93% | 3.18% | +14 bps | |
| Efficiency Ratio | 65.09% | 66.20% | 63.06% | 64.23% | 66.78% | 73.44% | 71.86% | 67.50% | +327 bps | |
| Non-Interest Burden | 1.64% | 1.82% | 1.65% | 1.71% | 1.76% | 1.97% | 1.96% | 1.84% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.02% | 6.15% | 7.50% | 6.85% | 5.96% | 9.45% | 3.57% | -5.25% | -1,210 bps | |
| Loan Growth (YoY) | 18.87% | 22.41% | 19.19% | 18.16% | 13.20% | 10.69% | 15.50% | 13.51% | -466 bps | |
| Deposit Growth (YoY) | 6.83% | 4.79% | 4.92% | 7.61% | 12.90% | 11.46% | 2.88% | -6.14% | -1,375 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% | -0.06% | 0.03% | 0.01% | 0.01% | 0.00% | 0.01% | 0.01% | -1 bps | |
| Allowance / Loans | 1.63% | 1.61% | 1.58% | 1.55% | 1.55% | 1.55% | 1.44% | 1.57% | +1 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 | 14.46% | 14.67% | 14.47% | 14.46% | 14.18% | 14.22% | 14.11% | 14.94% | +48 bps | |
| Equity / Assets | 7.00% | 7.41% | 6.22% | 6.79% | 6.50% | 5.87% | 6.53% | 6.84% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 44.63% | 44.07% | 44.35% | 44.42% | 44.75% | 43.77% | 49.79% | 53.72% | +930 bps | |
| Liquid Assets / Assets | 0.61% | 0.85% | 0.67% | 1.38% | 0.70% | 0.56% | 0.43% | 0.27% | -110 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |