Dallas, TX · Cert 26436
FDIC
Q2 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.28% | 1.28% | 1.15% | 1.28% | 1.31% | 1.32% | 1.12% | 1.20% | -9 bps | |
| Return on Equity | 13.25% | 13.38% | 12.40% | 13.48% | 13.60% | 13.80% | 11.93% | 12.86% | -63 bps | |
| Net Interest Margin | 3.02% | 2.92% | 2.89% | 3.07% | 3.20% | 3.20% | 3.24% | 3.20% | +13 bps | |
| Efficiency Ratio | 57.55% | 57.75% | 62.06% | 58.69% | 57.99% | 58.16% | 64.78% | 62.29% | +361 bps | |
| Non-Interest Burden | 0.97% | 0.94% | 1.10% | 1.04% | 1.07% | 1.08% | 1.41% | 1.25% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.00% | 6.44% | 7.73% | -1.86% | 2.65% | 1.37% | 0.76% | 6.05% | +791 bps | |
| Loan Growth (YoY) | 9.99% | 3.44% | 5.45% | 6.18% | 6.58% | 7.82% | 8.99% | 7.01% | +82 bps | |
| Deposit Growth (YoY) | 4.27% | 3.94% | 7.55% | 2.74% | 4.25% | 6.30% | 3.16% | -0.53% | -328 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 | 0.01% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.02% | 0.01% | 0 bps | |
| Allowance / Loans | 0.68% | 0.69% | 0.68% | n/a | n/a | n/a | n/a | n/a | n/a | |
| 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 | 12.77% | 12.34% | 12.70% | 13.50% | 13.13% | 12.29% | 12.26% | 11.55% | -195 bps | |
| Equity / Assets | 9.70% | 9.20% | 9.35% | n/a | n/a | n/a | n/a | n/a | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 121.50% | 116.94% | 115.16% | 124.32% | 124.22% | 118.60% | 121.67% | 133.75% | +943 bps | |
| Liquid Assets / Assets | 0.05% | 0.04% | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |