Sugar Land, TX · Cert 25862
FDIC
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 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.
Sugar Land, TX · Cert 25862
FDIC
Q1 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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.77% | 0.76% | -0.57% | 0.26% | 0.51% | -0.43% | -0.71% | -15 bps | |
| Return on Equity | 10.23% | 9.92% | 9.41% | -5.89% | 2.73% | 5.24% | -4.43% | -6.68% | -79 bps | |
| Net Interest Margin | 2.73% | 2.70% | 2.75% | 2.96% | 3.29% | 3.20% | 3.17% | 3.57% | +61 bps | |
| Efficiency Ratio | 56.41% | 55.34% | 55.91% | 50.77% | 48.96% | 49.13% | 54.62% | 129.48% | +7,871 bps | |
| Non-Interest Burden | 1.48% | 1.44% | 1.48% | 1.43% | 1.53% | 1.50% | 1.66% | 4.74% | +331 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 45.50% | 32.78% | 27.55% | 9.21% | 1.66% | 2.45% | -8.28% | -17.51% | -2,671 bps | |
| Loan Growth (YoY) | 32.19% | 36.00% | 41.05% | 36.71% | 29.76% | 18.95% | 9.04% | -4.97% | -4,168 bps | |
| Deposit Growth (YoY) | 42.44% | 21.71% | 20.75% | 4.69% | -4.10% | -9.45% | 1.56% | -14.97% | -1,966 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 | 0.14% | 0.11% | 0.08% | -0.01% | 0.00% | 0.16% | 1.76% | -0.04% | -3 bps | |
| Allowance / Loans | 1.35% | 1.35% | 1.36% | 1.39% | 1.41% | 1.40% | 1.07% | 1.17% | -21 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 | 12.57% | 17.91% | 17.36% | 16.98% | 16.54% | 16.91% | 15.74% | 16.88% | -10 bps | |
| Equity / Assets | 5.71% | 9.67% | 9.45% | 9.77% | 9.84% | 9.86% | 10.16% | 11.34% | +157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.81% | 66.40% | 67.53% | 71.29% | 80.92% | 87.21% | 72.51% | 79.67% | +838 bps | |
| Liquid Assets / Assets | 0.01% | 1.23% | 1.22% | 6.31% | 9.54% | 9.93% | 11.41% | 10.99% | +468 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |