Houston, TX · Cert 35048
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 | 1.44% | 1.47% | 1.49% | 1.51% | 1.55% | 1.54% | 1.57% | -0.41% | -191 bps | |
| Return on Equity | 18.24% | 18.73% | 18.92% | 18.59% | 18.80% | 18.25% | 18.40% | -4.58% | -2,317 bps | |
| Net Interest Margin | 3.97% | 3.89% | 3.81% | 3.88% | 3.93% | 3.94% | 3.88% | 3.50% | -39 bps | |
| Efficiency Ratio | 45.67% | 44.54% | 43.87% | 43.88% | 43.59% | 43.74% | 42.62% | 120.35% | +7,647 bps | |
| Non-Interest Burden | 1.66% | 1.58% | 1.52% | 1.55% | 1.57% | 1.59% | 1.52% | 3.98% | +243 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.89% | 21.09% | 21.64% | 22.33% | 7.45% | 4.99% | 2.11% | 2.09% | -2,024 bps | |
| Loan Growth (YoY) | 3.14% | 3.80% | 7.58% | 7.28% | 10.70% | 9.93% | 9.67% | 10.18% | +291 bps | |
| Deposit Growth (YoY) | 28.97% | 21.23% | 21.66% | 22.23% | 6.15% | 3.44% | 0.93% | 1.54% | -2,069 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 | 0.08% | 0.06% | 0.10% | 0.10% | 0.06% | 0.08% | 0.05% | 0.03% | -7 bps | |
| Allowance / Loans | 1.15% | 1.21% | 1.20% | 1.14% | 1.08% | 1.07% | 1.09% | 1.10% | -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 | 13.20% | 13.46% | 13.95% | 14.08% | 14.44% | 15.01% | 14.80% | 14.17% | +9 bps | |
| Equity / Assets | 7.44% | 7.76% | 8.04% | 8.16% | 8.49% | 9.05% | 9.04% | 8.75% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.71% | 65.48% | 64.79% | 64.28% | 68.52% | 69.60% | 70.40% | 69.76% | +547 bps | |
| Liquid Assets / Assets | 0.16% | 0.16% | 0.16% | 0.19% | 0.19% | 0.19% | 0.19% | 0.19% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |