Benbrook, TX · Cert 26541
FDIC
Q4 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.79% | 0.48% | -0.77% | 0.14% | 0.28% | -0.21% | -0.21% | +56 bps | |
| Return on Equity | 9.09% | 7.70% | 4.84% | -8.01% | 1.84% | 3.57% | -2.72% | -2.18% | +583 bps | |
| Net Interest Margin | 5.25% | 5.17% | 5.58% | 5.43% | 4.92% | 4.74% | 5.21% | 1.07% | -436 bps | |
| Efficiency Ratio | 71.96% | 69.17% | 68.94% | 70.37% | 86.07% | 82.89% | 82.99% | 97.37% | +2,700 bps | |
| Non-Interest Burden | 3.22% | 3.03% | 3.57% | 3.56% | 4.13% | 3.81% | 4.20% | 1.17% | -239 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.86% | 20.59% | 23.20% | 19.93% | 34.55% | 6.71% | 0.80% | 2.60% | -1,733 bps | |
| Loan Growth (YoY) | 16.92% | 28.17% | 36.04% | 23.35% | 18.97% | 7.14% | -4.34% | -7.74% | -3,109 bps | |
| Deposit Growth (YoY) | 17.13% | 20.61% | 25.60% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.46% | 0.21% | 1.24% | 3.21% | 0.18% | 0.32% | 1.50% | 0.02% | -319 bps | |
| Allowance / Loans | 1.05% | 1.32% | 1.03% | 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 | 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 | 13.57% | 12.45% | 11.32% | 10.49% | 10.26% | 10.59% | 10.91% | 12.34% | +185 bps | |
| Equity / Assets | 10.45% | 9.72% | 9.20% | 8.30% | 7.01% | 8.21% | 8.01% | 18.04% | +974 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.23% | 94.79% | 95.62% | 97.61% | 79.05% | 93.26% | 89.45% | 96.80% | -81 bps | |
| Liquid Assets / Assets | 0.22% | 0.11% | 0.13% | 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 | n/a | n/a | n/a |