Bryan, TX · Cert 3119
FDIC
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Bryan, TX · Cert 3119
FDIC
Q1 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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.55% | 1.41% | 1.28% | 1.39% | 1.51% | 1.52% | 1.59% | 1.43% | +4 bps | |
| Return on Equity | 14.68% | 13.73% | 12.84% | 14.68% | 15.81% | 15.91% | 16.58% | 14.64% | -4 bps | |
| Net Interest Margin | 3.91% | 3.83% | 3.53% | 3.67% | 3.89% | 3.69% | 3.47% | 3.32% | -34 bps | |
| Efficiency Ratio | 62.82% | 64.96% | 67.34% | 62.91% | 59.99% | 59.82% | 58.86% | 70.18% | +727 bps | |
| Non-Interest Burden | 1.95% | 2.02% | 1.98% | 1.87% | 1.78% | 1.64% | 1.49% | 1.92% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.65% | 29.00% | 25.84% | 14.35% | 18.96% | 10.30% | 7.07% | 15.73% | +138 bps | |
| Loan Growth (YoY) | 14.13% | 32.39% | 32.52% | 13.73% | 20.25% | 3.75% | 2.95% | 27.81% | +1,409 bps | |
| Deposit Growth (YoY) | 20.28% | 28.13% | 28.79% | 24.00% | 19.16% | 11.31% | 8.02% | 8.66% | -1,534 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 | 0.00% | 0.00% | -0.01% | 0.01% | 0.04% | 0.03% | 0.02% | -0.02% | -3 bps | |
| Allowance / Loans | 1.51% | 1.28% | 1.29% | 1.47% | 1.41% | 1.39% | 1.33% | 1.19% | -28 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 | 18.82% | 18.16% | 17.37% | 17.65% | 17.14% | 17.69% | 17.80% | 18.29% | +64 bps | |
| Equity / Assets | 10.65% | 9.51% | 9.10% | 9.86% | 9.67% | 9.51% | 9.69% | 9.85% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.67% | 79.52% | 78.27% | 72.89% | 73.34% | 74.12% | 74.60% | 85.74% | +1,285 bps | |
| Liquid Assets / Assets | 6.41% | 6.64% | 6.44% | 6.91% | 6.61% | 6.35% | 0.04% | 0.03% | -688 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |