Goliad, TX · Cert 3222
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 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.
Goliad, TX · Cert 3222
FDIC
Q3 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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.67% | 0.38% | 0.60% | 0.58% | 0.56% | 0.91% | 1.57% | 1.62% | +104 bps | |
| Return on Equity | -11.88% | 5.76% | 9.00% | 8.82% | 8.51% | 13.92% | 22.89% | 22.72% | +1,390 bps | |
| Net Interest Margin | 3.55% | 4.20% | 4.25% | 4.24% | 4.23% | 4.36% | 4.70% | 4.80% | +56 bps | |
| Efficiency Ratio | 105.04% | 92.48% | 88.50% | 85.76% | 85.62% | 79.69% | 70.37% | 69.43% | -1,633 bps | |
| Non-Interest Burden | 3.76% | 3.82% | 3.67% | 3.52% | 3.51% | 3.30% | 3.00% | 3.02% | -50 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.58% | 2.89% | 3.62% | 7.58% | 4.90% | 7.84% | 3.41% | -1.21% | -880 bps | |
| Loan Growth (YoY) | -16.05% | -5.86% | -11.68% | -8.57% | -10.38% | -13.93% | -4.13% | -6.97% | +160 bps | |
| Deposit Growth (YoY) | -2.80% | 3.63% | 3.89% | 8.13% | 4.84% | 7.85% | 2.66% | -2.82% | -1,094 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 | 2.85% | 0.44% | 1.66% | 1.19% | 1.41% | -0.19% | 0.14% | 0.02% | -117 bps | |
| Allowance / Loans | 2.44% | 2.29% | 1.65% | 1.82% | 1.63% | 1.78% | 1.60% | 1.80% | -2 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 | 11.51% | 11.39% | 11.76% | 11.11% | 12.78% | 12.89% | 13.17% | 14.16% | +305 bps | |
| Equity / Assets | 6.50% | 6.61% | 6.76% | 6.61% | 6.53% | 6.61% | 7.39% | 8.03% | +142 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.63% | 69.50% | 67.28% | 63.21% | 57.81% | 55.46% | 62.84% | 60.51% | -270 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 |