Elgin, TX · Cert 3185
FDIC
Q2 2005
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.80% | 0.79% | 0.77% | 0.79% | 0.74% | -0.31% | -0.53% | -130 bps | |
| Return on Equity | 5.61% | 6.49% | 6.40% | 6.28% | 6.41% | 6.01% | -2.58% | -4.41% | -1,069 bps | |
| Net Interest Margin | 4.28% | 4.26% | 4.30% | 4.32% | 4.36% | 4.34% | 4.12% | 4.12% | -21 bps | |
| Efficiency Ratio | 81.34% | 81.21% | 80.27% | 80.15% | 79.74% | 80.69% | 105.32% | 97.11% | +1,695 bps | |
| Non-Interest Burden | 3.37% | 3.35% | 3.34% | 3.34% | 3.35% | 3.38% | 4.38% | 3.98% | +64 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.18% | 1.57% | 0.03% | -2.25% | -1.73% | 0.38% | -2.79% | 3.00% | +525 bps | |
| Loan Growth (YoY) | -9.89% | -13.01% | -6.19% | -0.94% | 4.28% | 9.13% | 7.77% | 6.37% | +731 bps | |
| Deposit Growth (YoY) | 3.97% | 2.26% | 0.20% | -2.13% | -1.90% | 0.50% | -2.51% | 3.57% | +571 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 | 0.06% | 0.04% | 0.04% | 0.05% | 0.05% | 0.05% | 0.14% | 0.12% | +7 bps | |
| Allowance / Loans | 1.59% | 1.63% | 1.57% | 1.50% | 1.49% | 1.44% | 1.39% | 1.33% | -17 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 | 25.47% | 25.25% | 24.26% | 23.04% | 24.16% | 21.75% | 22.02% | 22.29% | -75 bps | |
| Equity / Assets | 12.46% | 12.15% | 12.43% | 12.25% | 12.67% | 12.06% | 12.23% | 11.78% | -48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.27% | 53.99% | 56.04% | 58.65% | 58.75% | 58.62% | 61.96% | 60.23% | +158 bps | |
| Liquid Assets / Assets | 19.00% | 18.51% | 16.95% | 15.84% | 14.50% | 13.78% | 12.91% | 25.38% | +954 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |