Gainesville, TX · Cert 3208
FDIC
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
Gainesville, TX · Cert 3208
FDIC
Q4 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.51% | 1.36% | 1.30% | 1.27% | 1.21% | 1.32% | 1.25% | 1.01% | -25 bps | |
| Return on Equity | 7.74% | 6.99% | 6.68% | 6.61% | 6.51% | 7.04% | 6.68% | 5.38% | -123 bps | |
| Net Interest Margin | 5.17% | 5.09% | 5.18% | 5.28% | 5.21% | 5.21% | 5.32% | 5.31% | +3 bps | |
| Efficiency Ratio | 56.30% | 59.16% | 60.80% | 61.22% | 63.18% | 60.14% | 60.66% | 66.51% | +530 bps | |
| Non-Interest Burden | 2.61% | 2.80% | 2.95% | 3.05% | 3.14% | 2.96% | 3.07% | 3.51% | +46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.39% | 17.65% | 18.56% | 2.73% | -0.70% | -2.64% | -1.43% | 0.98% | -175 bps | |
| Loan Growth (YoY) | 5.29% | 8.80% | 7.85% | 7.08% | 4.93% | 1.29% | -0.59% | -4.49% | -1,157 bps | |
| Deposit Growth (YoY) | -3.51% | 6.04% | 6.55% | 7.09% | 5.22% | -3.38% | -0.35% | -2.61% | -970 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 | 0.12% | 0.26% | 0.34% | 0.30% | 0.47% | 0.45% | 0.54% | 0.62% | +32 bps | |
| Allowance / Loans | 1.14% | 1.05% | 1.01% | 1.01% | 0.93% | 0.87% | 0.90% | 0.78% | -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 | 12.72% | 12.67% | 12.51% | 10.66% | 12.02% | 12.39% | 12.40% | 12.38% | +172 bps | |
| Equity / Assets | 19.53% | 19.24% | 19.36% | 18.24% | 18.91% | 19.05% | 18.97% | 19.13% | +89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.67% | 88.50% | 90.32% | 87.06% | 90.43% | 92.77% | 90.10% | 85.38% | -168 bps | |
| Liquid Assets / Assets | 0.04% | 0.03% | 0.04% | 0.04% | 0.05% | 0.02% | 0.03% | 0.01% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |