Gainesville, TX · Cert 3208
FDIC
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.21% | 1.17% | 1.16% | 1.21% | 1.44% | 1.14% | 0.30% | -87 bps | |
| Return on Equity | 7.74% | 6.26% | 6.07% | 6.19% | 6.51% | 7.56% | 5.98% | 1.56% | -463 bps | |
| Net Interest Margin | 5.17% | 5.19% | 5.37% | 5.27% | 5.21% | 5.33% | 5.52% | 5.34% | +8 bps | |
| Efficiency Ratio | 56.30% | 62.03% | 63.92% | 62.50% | 63.18% | 57.22% | 61.67% | 87.07% | +2,457 bps | |
| Non-Interest Burden | 2.61% | 3.07% | 3.26% | 3.18% | 3.14% | 2.85% | 3.28% | 4.86% | +167 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% | 0.42% | 0.49% | 0.15% | 0.47% | 0.45% | 0.71% | 0.74% | +59 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 |