Tomball, TX · Cert 34475
FDIC
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 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.
Tomball, TX · Cert 34475
FDIC
Q2 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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | -0.08% | -0.92% | -1.30% | -1.70% | -1.47% | -0.26% | -0.11% | +119 bps | |
| Return on Equity | 0.99% | -0.43% | -4.21% | -6.25% | -8.75% | -7.85% | -1.55% | -0.65% | +560 bps | |
| Net Interest Margin | 1.74% | 2.24% | 3.31% | 3.33% | 3.29% | 3.07% | 3.72% | 3.43% | +10 bps | |
| Efficiency Ratio | 86.25% | 93.14% | 112.14% | 109.00% | 111.64% | 104.79% | 85.52% | 83.26% | -2,574 bps | |
| Non-Interest Burden | 1.46% | 2.30% | 4.11% | 3.99% | 4.01% | 3.51% | 3.26% | 2.92% | -107 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.42% | 26.33% | 30.53% | 32.32% | 25.86% | 37.40% | 48.81% | 40.61% | +828 bps | |
| Loan Growth (YoY) | -0.52% | 3.87% | 9.04% | 28.32% | 32.08% | 47.62% | 59.69% | 50.60% | +2,228 bps | |
| Deposit Growth (YoY) | 7.97% | 13.83% | 9.64% | 37.89% | 29.05% | 27.15% | 40.70% | 38.20% | +30 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 | 0.06% | 0.10% | 1.14% | 0.55% | 0.60% | 0.66% | 0.48% | 0.41% | -14 bps | |
| Allowance / Loans | 1.23% | 1.19% | 0.90% | 1.10% | 1.17% | 1.13% | 1.14% | 1.15% | +5 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 | 13.27% | 12.43% | 12.25% | 10.66% | 8.64% | 9.63% | 10.43% | 11.16% | +50 bps | |
| Equity / Assets | 21.98% | 21.98% | 21.60% | 18.88% | 16.04% | 16.58% | 16.74% | 17.10% | -178 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.33% | 105.50% | 106.85% | 102.27% | 106.78% | 122.48% | 121.27% | 111.45% | +918 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 0.01% | 0.00% | 0.01% | 0.03% | 0.01% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |