Dallas, TX · Cert 25296
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.
Dallas, TX · Cert 25296
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 | 0.92% | 0.76% | 0.85% | 0.89% | 1.22% | 1.21% | 1.26% | 1.18% | +29 bps | |
| Return on Equity | 12.91% | 10.85% | 12.23% | 12.69% | 16.68% | 16.45% | 16.52% | 15.19% | +249 bps | |
| Net Interest Margin | 3.72% | 3.67% | 3.77% | 3.80% | 3.87% | 3.86% | 4.07% | 4.10% | +30 bps | |
| Efficiency Ratio | 70.24% | 75.80% | 71.99% | 70.82% | 59.14% | 58.16% | 57.59% | 60.59% | -1,024 bps | |
| Non-Interest Burden | 2.34% | 2.57% | 2.48% | 2.45% | 1.97% | 1.93% | 2.01% | 2.17% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.17% | -4.86% | 5.62% | -3.84% | 1.63% | -4.07% | -12.29% | -7.43% | -359 bps | |
| Loan Growth (YoY) | -24.94% | -25.99% | 19.87% | 8.93% | 11.23% | 3.01% | -3.57% | -15.78% | -2,471 bps | |
| Deposit Growth (YoY) | -2.51% | 5.72% | 4.57% | 1.84% | -3.06% | -10.02% | -14.49% | -9.98% | -1,182 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 | -0.02% | -0.02% | 0.06% | 0.16% | -0.01% | -0.03% | 0.05% | 0.04% | -12 bps | |
| Allowance / Loans | 1.17% | 1.06% | 0.97% | 0.95% | 0.91% | 0.92% | 0.92% | 1.18% | +23 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 | 14.98% | 13.87% | 14.23% | 13.87% | 13.96% | 13.53% | 14.45% | 16.33% | +246 bps | |
| Equity / Assets | 7.27% | 6.66% | 6.86% | 7.29% | 7.29% | 7.57% | 8.38% | 8.29% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.67% | 67.94% | 72.30% | 68.02% | 78.79% | 77.78% | 81.53% | 63.64% | -438 bps | |
| Liquid Assets / Assets | 0.12% | 0.11% | 0.11% | 0.08% | 0.11% | 0.12% | 0.21% | 0.14% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |