Dallas, TX · Cert 26264
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.
Dallas, TX · Cert 26264
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 | 1.40% | 1.27% | 1.44% | 1.45% | 1.46% | 1.16% | 1.47% | 0.61% | -84 bps | |
| Return on Equity | 13.18% | 12.16% | 14.05% | 14.47% | 14.68% | 11.76% | 14.68% | 4.34% | -1,013 bps | |
| Net Interest Margin | 5.02% | 5.35% | 5.24% | 5.08% | 4.90% | 5.35% | 5.55% | 6.06% | +98 bps | |
| Efficiency Ratio | 67.38% | 65.85% | 63.14% | 62.88% | 62.41% | 62.03% | 60.02% | 79.57% | +1,668 bps | |
| Non-Interest Burden | 2.75% | 2.91% | 2.71% | 2.63% | 2.53% | 2.84% | 2.80% | 4.54% | +191 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.65% | 9.79% | 3.12% | 21.39% | 15.69% | 6.93% | 2.38% | 38.32% | +1,693 bps | |
| Loan Growth (YoY) | 28.76% | 26.12% | 23.68% | 20.38% | 14.08% | 16.69% | 13.47% | 11.41% | -897 bps | |
| Deposit Growth (YoY) | 4.73% | 10.63% | 2.76% | 23.51% | 16.95% | 6.89% | 1.63% | 18.37% | -513 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 | 0.24% | -0.06% | -0.03% | 0.00% | 0.00% | 0.75% | 0.38% | 0.45% | +45 bps | |
| Allowance / Loans | 0.93% | 0.98% | 1.00% | 1.03% | 1.00% | 0.97% | 0.98% | 1.01% | -2 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 | 16.26% | 15.39% | 15.28% | 14.96% | 14.33% | 14.36% | 14.95% | 12.94% | -201 bps | |
| Equity / Assets | 10.82% | 10.14% | 9.76% | 9.42% | 9.76% | 10.04% | 10.15% | 22.67% | +1,325 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.02% | 75.17% | 73.06% | 68.29% | 75.13% | 82.06% | 81.56% | 64.27% | -402 bps | |
| Liquid Assets / Assets | 10.56% | 8.95% | 7.41% | 4.99% | 5.08% | 6.13% | 6.05% | 0.00% | -499 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |