Cisco, TX · Cert 3137
FDIC
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 0.90% | 1.02% | 1.44% | 1.85% | 0.98% | 0.99% | 0.09% | -135 bps | |
| Return on Equity | 5.89% | 5.49% | 6.68% | 9.48% | 12.08% | 6.46% | 6.44% | 0.58% | -890 bps | |
| Net Interest Margin | 4.03% | 3.80% | 3.66% | 3.87% | 4.43% | 4.16% | 4.10% | 3.87% | 0 bps | |
| Efficiency Ratio | 80.29% | 79.00% | 75.83% | 68.12% | 67.40% | 79.60% | 78.81% | 76.36% | +824 bps | |
| Non-Interest Burden | 3.07% | 2.83% | 2.60% | 2.43% | 2.76% | 3.18% | 3.09% | 2.62% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.48% | 14.52% | 16.27% | 9.41% | 5.33% | -8.81% | -9.59% | -5.58% | -1,499 bps | |
| Loan Growth (YoY) | -3.06% | -7.26% | -10.84% | -8.26% | 2.42% | 2.80% | -4.66% | -11.66% | -340 bps | |
| Deposit Growth (YoY) | 4.24% | 18.67% | 22.25% | 13.10% | 8.10% | -8.43% | -10.34% | -5.46% | -1,856 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 | 0.20% | -0.06% | -0.80% | -0.03% | 0.27% | 0.00% | -0.59% | 0.00% | +3 bps | |
| Allowance / Loans | 3.58% | 3.62% | 4.00% | 3.98% | 3.49% | 3.51% | 4.12% | 4.24% | +27 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 | 29.80% | 29.16% | 30.51% | 31.08% | 28.90% | 30.16% | 34.48% | 38.67% | +759 bps | |
| Equity / Assets | 17.23% | 15.74% | 14.83% | 15.53% | 15.07% | 15.37% | 15.51% | 15.32% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 44.13% | 38.66% | 35.67% | 37.55% | 41.81% | 43.40% | 37.93% | 35.09% | -246 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |