Hamilton, TX · Cert 3242
FDIC
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.63% | 0.90% | 1.03% | 1.00% | 1.16% | 1.02% | 1.57% | +54 bps | |
| Return on Equity | 13.91% | 20.02% | 10.51% | 12.01% | 12.24% | 14.39% | 12.65% | 19.30% | +729 bps | |
| Net Interest Margin | 3.61% | 3.53% | 3.70% | 3.55% | 4.02% | 3.80% | 3.76% | 3.87% | +32 bps | |
| Efficiency Ratio | 76.28% | 70.39% | 80.87% | 77.83% | 72.73% | 72.69% | 77.20% | 66.21% | -1,162 bps | |
| Non-Interest Burden | 2.47% | 1.90% | 2.81% | 2.53% | 2.68% | 2.39% | 2.70% | 2.26% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.20% | 5.13% | 1.15% | 2.27% | -0.43% | 1.60% | 10.64% | 2.33% | +6 bps | |
| Loan Growth (YoY) | -8.23% | -6.39% | -10.55% | -7.06% | -1.33% | -1.49% | 5.59% | -2.99% | +407 bps | |
| Deposit Growth (YoY) | 7.47% | 5.88% | 1.32% | 2.71% | -0.33% | 1.94% | 11.66% | 2.42% | -28 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 | 0.05% | -0.07% | -0.25% | 0.12% | 2.09% | 1.13% | -0.50% | -0.15% | -27 bps | |
| Allowance / Loans | 1.33% | 1.33% | 1.47% | 1.38% | 1.05% | 0.89% | 1.04% | 1.16% | -22 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 | 15.82% | 16.69% | 17.59% | 17.31% | 15.73% | 16.30% | 16.37% | 17.92% | +61 bps | |
| Equity / Assets | 7.75% | 8.50% | 8.60% | 8.51% | 7.85% | 8.27% | 7.81% | 8.47% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.97% | 55.34% | 52.09% | 52.10% | 52.44% | 53.48% | 49.26% | 49.34% | -275 bps | |
| Liquid Assets / Assets | 33.18% | 34.38% | 29.40% | 29.71% | 31.83% | 31.48% | 23.12% | 21.12% | -859 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |