Tomball, TX · Cert 34475
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | -0.73% | -0.92% | -1.68% | -2.42% | -0.90% | -0.26% | 0.03% | +171 bps | |
| Return on Equity | 0.99% | -3.34% | -4.21% | -8.31% | -13.94% | -5.51% | -1.55% | 0.19% | +850 bps | |
| Net Interest Margin | 4.08% | 3.74% | 3.31% | 3.42% | 3.70% | 3.39% | 3.72% | 3.48% | +7 bps | |
| Efficiency Ratio | 89.57% | 102.99% | 112.14% | 106.02% | 116.24% | 86.68% | 85.52% | 80.99% | -2,503 bps | |
| Non-Interest Burden | 3.58% | 4.81% | 4.11% | 3.97% | 4.61% | 3.18% | 3.26% | 2.89% | -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 | 0.18% | 0.21% | 1.14% | 0.10% | 0.84% | 1.01% | 0.48% | 0.37% | +27 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 |