PackageTrendsPeer
Letter portraitLegal landscape

Royal Oaks Bank, SSB

Houston, TX · Cert 57023

FDIC

Q4 2006

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2006, the quarter ended December 31, 2006, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Royal Oaks Bank, SSB

Houston, TX · Cert 57023

FDIC

Q4 2006

$206.6MAssets
$168.3MLoans
$160.1MDeposits
$16.4MEquity
Loan mix
29%RE $18.0M71%C&I $43.9M0%Consumer $0.1MQ4 2005Q4 2006
Deposit mix
82%Interest-bearing $130.5M18%Noninterest $29.6MQ4 2005Q4 2006

NIM

6.06%Q4 ’047.11%Q4 ’057.74%Q4 ’06+7%-2%

Non-interest income vs. expense

3.50%Q4 ’043.56%Q4 ’053.92%Q4 ’06+3%+9%

Executive Summary

  • Earnings: ROA of 0.75%, down 29 bps year over year; NIM at 4.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 105.14% of deposits as of Q4 2006.

Financial Results

Return on Assets (YTD, annualized)

0.75%-29 bps YoY

Net Interest Margin (YTD, annualized)

4.66%-8 bps YoY

Efficiency Ratio (YTD, annualized)

75.66%+695 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets1.04%0.68%0.71%0.80%0.75%-29 bps
Return on Equity11.10%7.41%7.97%9.17%8.78%-232 bps
Net Interest Margin4.74%4.99%4.87%4.74%4.66%-8 bps
Efficiency Ratio68.70%77.37%75.84%73.42%75.66%+695 bps
Non-Interest Burden3.12%3.76%3.59%3.34%3.40%+28 bps
Growth
Asset Growth (YoY)18.93%17.53%25.77%36.89%30.28%+1,134 bps
Loan Growth (YoY)18.09%13.66%24.71%27.82%34.01%+1,592 bps
Deposit Growth (YoY)19.59%17.41%26.73%32.40%11.46%-813 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.12%0.03%0.02%0.04%0.03%-9 bps
Allowance / Loans0.79%0.80%0.79%0.80%0.78%-2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.21%12.13%11.20%10.20%9.90%-231 bps
Equity / Assets9.02%9.23%8.65%8.01%7.94%-108 bps
Liquidity & Funding
Loans / Deposits87.45%89.23%89.46%90.93%105.14%+1,769 bps
Liquid Assets / Assets2.93%3.54%3.30%2.24%2.21%-72 bps
CRE / Total Capitaln/an/an/an/an/an/an/a