Houston, TX · Cert 34049
FDIC
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 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.
Houston, TX · Cert 34049
FDIC
Q2 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.63% | 0.44% | 0.48% | 0.54% | 0.50% | 0.77% | 0.64% | +16 bps | |
| Return on Equity | 7.21% | 6.93% | 4.65% | 5.14% | 5.72% | 5.38% | 8.25% | 6.69% | +155 bps | |
| Net Interest Margin | 3.88% | 3.80% | 4.03% | 3.86% | 3.95% | 3.89% | 3.83% | 3.88% | +2 bps | |
| Efficiency Ratio | 75.03% | 75.57% | 79.90% | 79.70% | 78.29% | 78.42% | 71.32% | 73.68% | -602 bps | |
| Non-Interest Burden | 2.76% | 2.73% | 3.12% | 2.99% | 2.99% | 2.95% | 2.51% | 2.70% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 38.26% | 41.92% | 11.78% | 23.92% | 24.94% | 21.70% | 18.88% | 3.84% | -2,008 bps | |
| Loan Growth (YoY) | 29.92% | 29.53% | 16.94% | 41.67% | 43.45% | 39.94% | 31.09% | 9.01% | -3,265 bps | |
| Deposit Growth (YoY) | 31.08% | 43.40% | 10.03% | 21.76% | 23.92% | 19.94% | 10.83% | 3.46% | -1,831 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 | 0.70% | 0.62% | 0.32% | 0.31% | 0.31% | 0.40% | 0.45% | 0.38% | +7 bps | |
| Allowance / Loans | 1.07% | 1.02% | 1.03% | 0.99% | 0.96% | 0.93% | 0.96% | 1.03% | +4 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 | 12.08% | 11.60% | 11.99% | 10.23% | 10.01% | 9.80% | 10.25% | 10.64% | +41 bps | |
| Equity / Assets | 9.32% | 8.96% | 9.78% | 9.23% | 9.46% | 9.20% | 9.52% | 9.89% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.71% | 75.52% | 78.87% | 85.81% | 87.64% | 88.11% | 93.28% | 90.41% | +461 bps | |
| Liquid Assets / Assets | 0.66% | 1.77% | 0.04% | 0.08% | 0.01% | 0.57% | 0.59% | 0.77% | +69 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |