Benbrook, TX · Cert 26541
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.21% | 0.14% | 0.40% | -1.24% | -0.22% | +399 bps | |
| Return on Equity | -48.04% | 1.84% | 5.29% | -15.33% | -1.67% | +4,637 bps | |
| Net Interest Margin | 5.52% | 4.92% | 4.82% | 5.00% | -11.42% | -1,694 bps | |
| Efficiency Ratio | 74.55% | 86.07% | 79.78% | 83.22% | 108.02% | +3,347 bps | |
| Non-Interest Burden | 3.87% | 4.13% | 3.71% | 4.05% | -7.98% | -1,185 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 19.93% | 34.55% | 6.71% | 0.80% | 2.60% | -1,733 bps | |
| Loan Growth (YoY) | 23.35% | 18.97% | 7.14% | -4.34% | -7.74% | -3,109 bps | |
| Deposit Growth (YoY) | 19.87% | 40.30% | 8.90% | 2.27% | -6.97% | -2,684 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 9.06% | 0.18% | 0.47% | 3.82% | -4.68% | -1,374 bps | |
| Allowance / Loans | 1.21% | 1.35% | 1.37% | 1.34% | 1.50% | +29 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 | 10.49% | 10.26% | 10.59% | 10.91% | 12.34% | +185 bps | |
| Equity / Assets | 8.30% | 7.01% | 8.21% | 8.01% | 18.04% | +974 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.61% | 79.05% | 93.26% | 89.45% | 96.80% | -81 bps | |
| Liquid Assets / Assets | 0.14% | 0.17% | 0.23% | 0.19% | 0.17% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |