Kerrville, TX · Cert 34636
FDIC
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Kerrville, TX · Cert 34636
FDIC
Q2 2006
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.50% | 1.48% | 1.44% | 1.49% | 1.52% | 1.56% | 1.54% | 1.61% | +12 bps | |
| Return on Equity | 21.36% | 21.08% | 20.24% | 20.88% | 21.17% | 21.84% | 21.28% | 21.80% | +92 bps | |
| Net Interest Margin | 3.40% | 3.33% | 3.39% | 3.31% | 3.23% | 2.99% | 3.16% | 3.12% | -18 bps | |
| Efficiency Ratio | 50.43% | 50.76% | 50.02% | 49.14% | 48.96% | 48.58% | 47.44% | 46.47% | -267 bps | |
| Non-Interest Burden | 1.31% | 1.31% | 1.34% | 1.26% | 1.22% | 1.11% | 1.12% | 1.07% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.30% | 19.81% | 17.95% | 17.46% | 19.51% | 22.52% | 18.39% | 15.83% | -163 bps | |
| Loan Growth (YoY) | 21.54% | 16.97% | 14.41% | 14.31% | 9.85% | 6.87% | 8.46% | 4.22% | -1,009 bps | |
| Deposit Growth (YoY) | 25.78% | 19.72% | 17.75% | 15.48% | 19.35% | 22.51% | 17.96% | 16.85% | +137 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 | 0.01% | 0.04% | 0.01% | 0.01% | 0.01% | 0.02% | 0.01% | 0.02% | +1 bps | |
| Allowance / Loans | 1.38% | 1.38% | 1.44% | 1.43% | 1.45% | 1.48% | 1.46% | 1.46% | +3 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 | 13.19% | 13.15% | 13.43% | 13.62% | 13.84% | 14.28% | 14.30% | 15.18% | +156 bps | |
| Equity / Assets | 7.12% | 7.06% | 7.14% | 7.21% | 7.22% | 7.06% | 7.42% | 7.69% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.29% | 56.45% | 55.28% | 56.22% | 53.65% | 49.24% | 50.83% | 50.14% | -608 bps | |
| Liquid Assets / Assets | 36.21% | 36.12% | 39.65% | 41.18% | 40.26% | 40.78% | 43.36% | 45.18% | +400 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |