Kenedy, TX · Cert 3282
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Kenedy, TX · Cert 3282
FDIC
Q4 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 1.02% | 1.19% | 1.13% | 1.56% | 1.26% | 1.29% | 0.79% | -34 bps | |
| Return on Equity | 10.44% | 11.00% | 12.77% | 12.37% | 18.89% | 15.00% | 15.21% | 9.34% | -303 bps | |
| Net Interest Margin | 3.35% | 3.43% | 3.52% | 3.33% | 3.73% | 3.62% | 3.65% | 3.69% | +36 bps | |
| Efficiency Ratio | 77.54% | 79.76% | 75.78% | 74.91% | 65.28% | 70.94% | 69.05% | 81.20% | +629 bps | |
| Non-Interest Burden | 2.35% | 2.53% | 2.41% | 2.26% | 2.11% | 2.32% | 2.26% | 2.85% | +59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.62% | -7.30% | -2.82% | 10.62% | 10.76% | 11.77% | 13.89% | 0.52% | -1,010 bps | |
| Loan Growth (YoY) | 33.04% | 23.22% | 19.31% | 14.89% | 6.91% | 16.56% | 12.46% | 30.50% | +1,560 bps | |
| Deposit Growth (YoY) | -4.31% | -6.26% | -2.98% | 11.77% | 12.68% | 11.79% | 15.07% | 1.06% | -1,072 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 | 0.00% | 0.46% | 0.28% | 0.19% | -0.02% | -0.04% | -0.07% | -0.05% | -24 bps | |
| Allowance / Loans | 1.04% | 0.84% | 0.81% | 0.92% | 0.96% | 0.92% | 0.94% | 0.78% | -14 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 | 17.48% | 17.78% | 17.68% | 16.74% | 17.11% | 16.86% | 17.33% | 14.92% | -182 bps | |
| Equity / Assets | 9.71% | 8.75% | 9.61% | 8.37% | 8.17% | 8.70% | 8.69% | 8.13% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.21% | 48.54% | 50.65% | 46.65% | 46.69% | 50.62% | 49.50% | 60.24% | +1,359 bps | |
| Liquid Assets / Assets | 2.35% | 2.41% | 2.37% | 2.11% | 3.09% | 3.63% | 3.27% | 3.30% | +119 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |