Kenedy, TX · Cert 3282
FDIC
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.04% | 1.56% | 0.99% | 1.56% | 0.96% | 1.36% | -0.71% | -170 bps | |
| Return on Equity | 10.44% | 11.28% | 16.97% | 11.03% | 18.89% | 11.33% | 15.67% | -8.50% | -1,953 bps | |
| Net Interest Margin | 3.35% | 3.50% | 3.71% | 3.59% | 3.73% | 3.47% | 3.82% | 4.04% | +44 bps | |
| Efficiency Ratio | 77.54% | 82.02% | 68.64% | 72.40% | 65.28% | 77.26% | 65.50% | 114.91% | +4,251 bps | |
| Non-Interest Burden | 2.35% | 2.71% | 2.16% | 2.38% | 2.11% | 2.51% | 2.21% | 4.74% | +237 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% | 0.92% | -0.02% | -0.05% | -0.02% | -0.06% | -0.13% | -0.03% | +1 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 |