Round Rock, TX · Cert 57532
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Round Rock, TX · Cert 57532
FDIC
Q4 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.96% | -1.59% | -1.04% | -1.42% | -0.24% | -0.32% | -0.29% | -0.46% | +96 bps | |
| Return on Equity | -8.03% | -7.87% | -6.06% | -9.45% | -2.52% | -3.29% | -2.94% | -4.72% | +473 bps | |
| Net Interest Margin | 2.28% | 1.97% | 1.73% | 2.13% | 2.54% | 2.62% | 2.87% | 2.78% | +65 bps | |
| Efficiency Ratio | 179.02% | 163.25% | 140.25% | 155.14% | 107.59% | 103.21% | 104.23% | 104.62% | -5,052 bps | |
| Non-Interest Burden | 4.51% | 3.41% | 2.50% | 3.41% | 2.75% | 2.72% | 3.01% | 2.93% | -47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | 182.51% | 162.32% | 97.14% | 38.99% | 3.99% | -7.92% | -17,023 bps | |
| Loan Growth (YoY) | n/a | n/a | 600% | 85.63% | 52.60% | 76.18% | 94.34% | 49.24% | -3,638 bps | |
| Deposit Growth (YoY) | n/a | n/a | 284% | 228% | 126.60% | 46.91% | 0.74% | -7.03% | -23,459 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.11% | 0.04% | 0.11% | 0.09% | +9 bps | |
| Allowance / Loans | 0.16% | 0.30% | 0.41% | 0.93% | 0.85% | 0.95% | 0.73% | 0.82% | -12 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 | 33.46% | 28.31% | 23.67% | 20.16% | 19.95% | 17.83% | 15.90% | 16.74% | -343 bps | |
| Equity / Assets | 21.35% | 14.79% | 11.93% | 9.79% | 9.53% | 9.85% | 10.03% | 9.64% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.80% | 36.93% | 30.76% | 30.88% | 34.21% | 44.28% | 59.35% | 49.57% | +1,869 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 2.28% | 2.32% | 2.36% | 2.47% | 2.46% | +19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |