Dallas, TX · Cert 26264
FDIC
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.34% | 1.27% | 1.59% | 1.47% | 1.47% | 1.16% | 1.78% | -0.75% | -221 bps | |
| Return on Equity | 12.30% | 12.16% | 16.00% | 15.31% | 15.30% | 11.76% | 17.60% | -4.27% | -1,958 bps | |
| Net Interest Margin | 5.21% | 5.35% | 5.42% | 5.11% | 5.05% | 5.35% | 5.74% | 7.11% | +200 bps | |
| Efficiency Ratio | 67.36% | 65.85% | 60.52% | 62.36% | 61.00% | 62.03% | 58.16% | 110.96% | +4,861 bps | |
| Non-Interest Burden | 2.93% | 2.91% | 2.67% | 2.65% | 2.58% | 2.84% | 2.76% | 8.05% | +540 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% | 0.00% | 0.06% | 0.00% | 0.75% | 0.01% | 0.57% | +51 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 |