Dallas, TX · Cert 34322
FDIC
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Dallas, TX · Cert 34322
FDIC
Q1 2008
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 0.89% | 1.77% | 1.07% | 1.11% | 0.90% | -0.42% | 0.12% | -95 bps | |
| Return on Equity | 10.63% | 9.90% | 18.77% | 9.16% | 9.37% | 7.52% | -3.77% | 0.92% | -823 bps | |
| Net Interest Margin | 5.02% | 4.80% | 4.78% | 4.94% | 4.90% | 4.84% | 4.39% | 3.03% | -190 bps | |
| Efficiency Ratio | 74.97% | 75.82% | 55.09% | 70.71% | 71.83% | 77.67% | 112.01% | 74.04% | +333 bps | |
| Non-Interest Burden | 3.49% | 3.40% | 1.18% | 3.27% | 3.32% | 3.62% | 4.98% | 2.70% | -57 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.54% | -0.20% | -3.19% | -4.11% | -4.68% | -5.63% | 17.43% | 28.58% | +3,269 bps | |
| Loan Growth (YoY) | -3.93% | -8.19% | -5.04% | -7.05% | -10.21% | -0.83% | 0.48% | 0.08% | +714 bps | |
| Deposit Growth (YoY) | -1.92% | 3.43% | -7.14% | -8.33% | -8.48% | -8.78% | 20.95% | 21.47% | +2,980 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 | 0.27% | 0.56% | 0.47% | 0.38% | -0.03% | -0.10% | 0.03% | 0.02% | -36 bps | |
| Allowance / Loans | 1.07% | 0.89% | 1.10% | 1.13% | 1.28% | 1.27% | 1.14% | 1.86% | +73 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 | 16.68% | 16.94% | 20.18% | 21.25% | 22.50% | 21.88% | 17.47% | 15.56% | -569 bps | |
| Equity / Assets | 8.97% | 9.28% | 11.41% | 12.00% | 12.12% | 12.21% | 8.83% | 17.22% | +521 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.77% | 54.26% | 58.04% | 58.02% | 55.70% | 59.00% | 48.22% | 47.80% | -1,022 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 11.47% | 5.84% | 7.02% | 8.18% | 21.14% | 20.95% | +1,511 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |