Houston, TX · Cert 34932
FDIC
Q2 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.07% | 0.98% | 1.09% | 1.25% | 1.35% | 1.29% | 1.38% | +29 bps | |
| Return on Equity | 12.76% | 13.91% | 13.42% | 14.73% | 16.57% | 17.84% | 16.81% | 16.95% | +223 bps | |
| Net Interest Margin | 4.25% | 4.09% | 4.10% | 4.23% | 4.25% | 4.41% | 4.48% | 4.55% | +32 bps | |
| Efficiency Ratio | 63.51% | 60.23% | 60.97% | 59.25% | 57.80% | 52.65% | 57.14% | 56.29% | -296 bps | |
| Non-Interest Burden | 2.47% | 2.24% | 2.31% | 2.31% | 2.28% | 2.12% | 2.37% | 2.37% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.04% | 31.85% | 27.08% | 26.13% | 23.45% | 10.60% | 10.91% | 0.61% | -2,552 bps | |
| Loan Growth (YoY) | 22.79% | 27.58% | 26.58% | 27.52% | 21.68% | 16.96% | 11.78% | 6.64% | -2,087 bps | |
| Deposit Growth (YoY) | 17.06% | 40.06% | 34.84% | 35.29% | 30.61% | 14.90% | 12.71% | 0.61% | -3,468 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 | 0.03% | 0.14% | 0.16% | 0.24% | 0.10% | 0.29% | 0.13% | 0.29% | +5 bps | |
| Allowance / Loans | 1.25% | 1.20% | 1.21% | 1.20% | 1.19% | 1.15% | 1.15% | 1.12% | -7 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 | 11.23% | 10.55% | 10.37% | 10.42% | 10.62% | 10.74% | 11.05% | 11.22% | +80 bps | |
| Equity / Assets | 8.08% | 7.35% | 7.32% | 7.52% | 7.51% | 7.64% | 7.71% | 8.66% | +115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.25% | 80.73% | 81.23% | 82.23% | 80.36% | 82.17% | 80.56% | 87.17% | +493 bps | |
| Liquid Assets / Assets | 4.39% | 5.04% | 3.31% | 2.52% | 2.02% | 1.89% | 1.64% | 1.46% | -106 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |