Southlake, TX · Cert 25888
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 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.
Southlake, TX · Cert 25888
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.98% | 0.94% | 1.27% | 1.19% | 1.23% | +26 bps | |
| Return on Equity | 12.07% | 11.90% | 17.54% | 17.19% | 17.57% | +550 bps | |
| Net Interest Margin | 4.52% | 4.15% | 4.48% | 4.44% | 4.41% | -11 bps | |
| Efficiency Ratio | 73.63% | 72.93% | 65.46% | 65.38% | 63.90% | -972 bps | |
| Non-Interest Burden | 3.05% | 2.77% | 2.46% | 2.50% | 2.41% | -64 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 28.05% | 23.70% | 29.76% | 43.06% | 9.28% | -1,877 bps | |
| Loan Growth (YoY) | 28.21% | 27.18% | 33.26% | 31.49% | 18.10% | -1,011 bps | |
| Deposit Growth (YoY) | 17.30% | 27.08% | 30.03% | 49.13% | 15.57% | -172 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.04% | -0.02% | 0.04% | 0.08% | +11 bps | |
| Allowance / Loans | 1.10% | 1.15% | 1.10% | 1.13% | 1.25% | +16 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 11.31% | 11.47% | 10.68% | 9.79% | 11.00% | -31 bps | |
| Equity / Assets | 7.17% | 7.41% | 7.06% | 6.33% | 7.36% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.48% | 84.50% | 89.93% | 82.40% | 87.34% | +187 bps | |
| Liquid Assets / Assets | 1.63% | 1.65% | 1.00% | 0.71% | 0.28% | -135 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |