Grand Prairie, TX · Cert 57130
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Grand Prairie, TX · Cert 57130
FDIC
Q2 2007
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.19% | 1.28% | 1.69% | 0.24% | 0.40% | -79 bps | |
| Return on Equity | 11.51% | 11.92% | 15.26% | 1.92% | 2.08% | -943 bps | |
| Net Interest Margin | 3.90% | 4.09% | 4.16% | 4.08% | 1.28% | -262 bps | |
| Efficiency Ratio | 70.68% | 69.78% | 69.40% | 84.11% | 57.85% | -1,284 bps | |
| Non-Interest Burden | 2.71% | 2.81% | 2.84% | 3.40% | 0.72% | -199 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.38% | -1.94% | -3.56% | -2.38% | 24.31% | +1,394 bps | |
| Loan Growth (YoY) | 9.97% | -0.24% | 1.81% | 2.01% | -3.99% | -1,396 bps | |
| Deposit Growth (YoY) | 10.87% | -3.51% | -6.02% | -4.67% | -3.32% | -1,419 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.06% | 0.08% | 0.26% | 0.00% | -5 bps | |
| Allowance / Loans | 1.19% | 1.21% | 1.20% | 1.21% | 1.58% | +39 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 14.72% | 15.56% | 16.40% | 16.50% | 32.62% | +1,790 bps | |
| Equity / Assets | 10.50% | 11.72% | 12.44% | 12.52% | 30.17% | +1,967 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.89% | 91.50% | 88.71% | 90.02% | 87.29% | -60 bps | |
| Liquid Assets / Assets | 0.02% | 0.02% | 0.02% | 0.02% | 0.01% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |