San Marcos, TX · Cert 32004
FDIC
Q3 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.86% | 1.01% | 0.97% | 0.89% | 0.75% | 0.60% | 0.66% | -32 bps | |
| Return on Equity | 10.26% | 11.49% | 13.71% | 13.16% | 11.97% | 9.95% | 7.77% | 8.36% | -480 bps | |
| Net Interest Margin | 3.31% | 3.30% | 3.35% | 3.35% | 3.22% | 3.14% | 3.25% | 3.37% | +2 bps | |
| Efficiency Ratio | 77.98% | 85.94% | 81.13% | 81.73% | 82.13% | 79.50% | 83.90% | 84.14% | +240 bps | |
| Non-Interest Burden | 2.41% | 2.74% | 2.56% | 2.59% | 2.50% | 2.34% | 2.60% | 2.71% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.42% | 0.12% | -0.58% | -1.44% | 2.04% | 1.27% | -2.70% | -5.20% | -376 bps | |
| Loan Growth (YoY) | 3.90% | 2.98% | 4.10% | 5.95% | 3.41% | 3.43% | 2.94% | -2.56% | -851 bps | |
| Deposit Growth (YoY) | 0.51% | 0.90% | 1.87% | 4.22% | 4.60% | 7.50% | 3.94% | 8.43% | +422 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 | -0.04% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.08% | 0.05% | +5 bps | |
| Allowance / Loans | 1.22% | 1.07% | 1.00% | 0.87% | 0.87% | 0.90% | 0.87% | 0.84% | -3 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 | 17.31% | 17.23% | 16.84% | 16.28% | 15.25% | 15.20% | 16.83% | 17.62% | +134 bps | |
| Equity / Assets | 7.47% | 7.57% | 7.05% | 7.55% | 7.50% | 7.55% | 8.03% | 8.44% | +89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.85% | 95.55% | 93.76% | 95.78% | 95.75% | 91.93% | 92.85% | 86.07% | -971 bps | |
| Liquid Assets / Assets | 2.57% | 4.09% | 3.16% | 3.56% | 3.67% | 5.62% | 4.36% | 4.96% | +140 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |