Houston, TX · Cert 57023
FDIC
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 1.18% | 1.34% | 0.94% | 0.68% | 0.75% | 0.95% | 0.61% | -33 bps | |
| Return on Equity | 7.44% | 12.60% | 14.16% | 10.10% | 7.41% | 8.45% | 11.44% | 7.64% | -247 bps | |
| Net Interest Margin | 4.70% | 4.70% | 5.43% | 5.18% | 4.99% | 5.03% | 5.14% | 5.12% | -6 bps | |
| Efficiency Ratio | 73.44% | 64.01% | 62.08% | 75.59% | 77.37% | 74.39% | 69.37% | 81.47% | +588 bps | |
| Non-Interest Burden | 3.31% | 2.84% | 3.16% | 3.83% | 3.76% | 3.63% | 3.34% | 4.06% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 36.37% | 32.71% | 25.49% | 18.93% | 17.53% | 25.77% | 36.89% | 30.28% | +1,134 bps | |
| Loan Growth (YoY) | 41.61% | 32.93% | 31.12% | 18.09% | 13.66% | 24.71% | 27.82% | 34.01% | +1,592 bps | |
| Deposit Growth (YoY) | 37.01% | 32.69% | 24.62% | 19.59% | 17.41% | 26.73% | 32.40% | 11.46% | -813 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 | 0.05% | 0.19% | 0.09% | 0.18% | 0.03% | 0.02% | 0.07% | 0.03% | -15 bps | |
| Allowance / Loans | 0.87% | 0.84% | 0.84% | 0.79% | 0.80% | 0.79% | 0.80% | 0.78% | -2 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 | 12.39% | 12.67% | 12.49% | 12.21% | 12.13% | 11.20% | 10.20% | 9.90% | -231 bps | |
| Equity / Assets | 9.28% | 9.40% | 9.52% | 9.02% | 9.23% | 8.65% | 8.01% | 7.94% | -108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.17% | 90.91% | 94.19% | 87.45% | 89.23% | 89.46% | 90.93% | 105.14% | +1,769 bps | |
| Liquid Assets / Assets | 3.92% | 3.85% | 3.17% | 2.93% | 3.54% | 3.30% | 2.24% | 2.21% | -72 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |