Bryan, TX · Cert 32623
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.
Bryan, TX · Cert 32623
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 | 1.56% | 0.00% | 0.36% | 0.34% | 0.31% | -0.09% | -0.37% | -0.58% | -92 bps | |
| Return on Equity | 16.06% | 0.00% | 1.91% | 1.73% | 1.56% | -0.44% | -1.79% | -2.96% | -469 bps | |
| Net Interest Margin | 3.88% | 0.00% | 1.60% | 2.07% | 2.40% | 3.09% | 3.07% | 2.00% | -7 bps | |
| Efficiency Ratio | 57.49% | n/a | 71.13% | 77.01% | 78.34% | 101.29% | 107.92% | 118.34% | +4,133 bps | |
| Non-Interest Burden | 1.88% | 0.00% | 1.06% | 1.54% | 1.82% | 3.21% | 3.43% | 2.48% | +93 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.66% | 19.91% | 27.69% | 26.17% | 29.92% | 10.96% | 7.71% | 35.13% | +897 bps | |
| Loan Growth (YoY) | 0.25% | -4.61% | -7.48% | -14.41% | -0.33% | 0.92% | 7.62% | 56.95% | +7,136 bps | |
| Deposit Growth (YoY) | 3.57% | 4.63% | 9.08% | 27.45% | 15.24% | 22.19% | 22.42% | 45.47% | +1,803 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 | 0.16% | 0.00% | 0.01% | 0.05% | 0.13% | 0.08% | 0.28% | 0.22% | +17 bps | |
| Allowance / Loans | 1.24% | 0.86% | 0.90% | 0.95% | 0.88% | 0.91% | 0.93% | 0.68% | -27 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 | 10.58% | 13.55% | 13.05% | 12.86% | 12.82% | 12.73% | 12.13% | 12.39% | -47 bps | |
| Equity / Assets | 9.77% | 23.31% | 22.15% | 21.29% | 21.28% | 20.97% | 20.05% | 16.69% | -460 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.15% | 98.19% | 90.49% | 73.83% | 87.49% | 81.10% | 79.55% | 79.65% | +583 bps | |
| Liquid Assets / Assets | 1.28% | 4.11% | 0.03% | 0.02% | 0.02% | 0.02% | 0.01% | 0.00% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |