Mount Calm, TX · Cert 3353
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 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.
Mount Calm, TX · Cert 3353
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 | 0.78%1 | 0.13% | 0.25% | 0.38% | 0.30% | 0.78% | 0.11% | 0.30% | -7 bps | |
| Return on Equity | 10.71% | 1.79% | 3.74% | 5.53% | 4.41% | 11.50% | 1.32% | 3.27% | -226 bps | |
| Net Interest Margin | 2.33% | 2.61% | 2.74% | 2.85% | 2.90% | 4.04% | 0.12% | 3.85% | +100 bps | |
| Efficiency Ratio | 116.41% | 94.70% | 91.77% | 89.09% | 90.98% | 81.52% | 18.18% | 81.39% | -770 bps | |
| Non-Interest Burden | 2.94% | 2.40% | 2.42% | 2.41% | 2.53% | 3.18% | 0.01% | 3.05% | +64 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.17% | -3.50% | -0.38% | 0.44% | 1.46% | -0.87% | 2.20% | 5.49% | +505 bps | |
| Loan Growth (YoY) | 5.01% | 31.69% | 44.09% | 29.96% | 24.86% | -1.93% | 18.99% | 124.45% | +9,449 bps | |
| Deposit Growth (YoY) | -1.95% | -2.46% | 1.02% | 0.29% | 1.34% | -0.31% | -4.14% | 0.23% | -6 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 | 0.17% | -0.08% | -0.21% | -0.10% | -0.08% | 0.00% | 0.00% | 0.02% | +12 bps | |
| Allowance / Loans | 0.92% | 0.83% | 0.90% | 0.97% | 1.05% | 1.15% | 0.90% | 0.52% | -45 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 | 17.08% | 15.83% | 14.73% | 16.00% | 15.71% | 16.57% | 16.17% | 14.53% | -147 bps | |
| Equity / Assets | 6.84% | 7.20% | 6.08% | 7.18% | 6.86% | 6.69% | 11.77% | 11.64% | +446 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 27.98% | 34.24% | 37.02% | 35.77% | 34.48% | 33.69% | 45.95% | 80.11% | +4,434 bps | |
| Liquid Assets / Assets | 26.31% | 16.79% | 16.58% | 16.24% | 17.78% | 18.19% | 15.01% | 6.50% | -975 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |