Mesquite, TX · Cert 26854
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Mesquite, TX · Cert 26854
FDIC
Q3 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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.51% | 0.18% | 0.42% | 0.57% | 1.10% | 1.23% | 1.29% | +87 bps | |
| Return on Equity | 3.30% | 6.56% | 2.30% | 5.41% | 7.37% | 13.55% | 15.09% | 15.34% | +993 bps | |
| Net Interest Margin | 3.68% | 3.76% | 3.83% | 3.93% | 4.24% | 4.74% | 4.83% | 4.88% | +95 bps | |
| Efficiency Ratio | 95.28% | 90.54% | 96.51% | 92.34% | 89.65% | 78.29% | 77.34% | 77.18% | -1,517 bps | |
| Non-Interest Burden | 3.43% | 3.27% | 3.65% | 3.52% | 3.65% | 3.43% | 3.45% | 3.48% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.01% | 2.70% | 2.36% | 3.26% | 6.58% | -3.13% | -2.21% | -2.19% | -546 bps | |
| Loan Growth (YoY) | -4.46% | -1.26% | 6.11% | 4.48% | 4.54% | 3.42% | -12.06% | -7.83% | -1,231 bps | |
| Deposit Growth (YoY) | -2.15% | 12.45% | 7.16% | -4.76% | 6.63% | -6.78% | 7.13% | 9.73% | +1,449 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 | 0.07% | 0.17% | 0.08% | 0.05% | 0.04% | -0.05% | 0.92% | 0.69% | +64 bps | |
| Allowance / Loans | 1.72% | 1.62% | 1.57% | 1.61% | 1.62% | 1.69% | 1.48% | 1.38% | -23 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 | 16.65% | 16.68% | 16.62% | 17.98% | 17.54% | 18.39% | 19.15% | 15.37% | -261 bps | |
| Equity / Assets | 8.06% | 7.49% | 7.43% | 7.91% | 7.88% | 8.31% | 8.21% | 9.21% | +130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.35% | 62.95% | 70.82% | 75.13% | 64.07% | 69.83% | 58.13% | 63.11% | -1,202 bps | |
| Liquid Assets / Assets | 0.60% | 0.94% | 0.50% | 0.37% | 0.80% | 0.48% | 0.77% | 1.34% | +97 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |