Hamilton, TX · Cert 3242
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 | 1.02% | 1.63% | 1.26% | 1.18% | 1.14% | 1.16% | 1.08% | 1.25% | +8 bps | |
| Return on Equity | 12.40% | 20.02% | 15.23% | 14.11% | 13.78% | 14.39% | 13.51% | 15.49% | +138 bps | |
| Net Interest Margin | 3.47% | 3.53% | 3.62% | 3.55% | 3.64% | 3.80% | 3.69% | 3.67% | +13 bps | |
| Efficiency Ratio | 78.49% | 70.39% | 75.17% | 76.02% | 75.18% | 72.69% | 74.88% | 71.95% | -406 bps | |
| Non-Interest Burden | 2.47% | 1.90% | 2.36% | 2.38% | 2.44% | 2.39% | 2.48% | 2.36% | -2 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 | 0.04% | -0.07% | -0.16% | -0.06% | 0.47% | 1.13% | 0.31% | 0.17% | +23 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 |