Mesquite, TX · Cert 26854
FDIC
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.51% | -0.14% | 0.88% | 1.04% | 1.10% | 1.37% | 1.39% | +51 bps | |
| Return on Equity | 3.39% | 6.56% | -1.93% | 11.54% | 13.12% | 13.55% | 16.60% | 15.97% | +443 bps | |
| Net Interest Margin | 3.69% | 3.76% | 3.98% | 4.20% | 4.49% | 4.74% | 4.93% | 4.87% | +67 bps | |
| Efficiency Ratio | 94.94% | 90.54% | 102.15% | 84.50% | 81.89% | 78.29% | 76.42% | 76.84% | -766 bps | |
| Non-Interest Burden | 3.43% | 3.27% | 4.10% | 3.34% | 3.42% | 3.43% | 3.48% | 3.47% | +13 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 | 0.13% | 0.17% | 0.00% | -0.02% | 0.00% | -0.05% | 1.89% | 0.29% | +30 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 |