Humble, TX · Cert 57661
FDIC
Q4 2006
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Humble, TX · Cert 57661
FDIC
Q4 2006
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 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.43% | 0.62% | 0.72% | 1.06% | 1.12% | 1.16% | 1.05% | +33 bps | |
| Return on Equity | 2.18% | 3.42% | 5.09% | 6.30% | 11.36% | 12.85% | 13.42% | 12.07% | +577 bps | |
| Net Interest Margin | 3.84% | 3.83% | 3.93% | 3.71% | 4.80% | 4.23% | 4.24% | 4.32% | +61 bps | |
| Efficiency Ratio | 82.82% | 81.60% | 76.42% | 74.84% | 62.41% | 60.76% | 59.72% | 63.07% | -1,177 bps | |
| Non-Interest Burden | 3.11% | 3.05% | 2.92% | 2.69% | 2.86% | 2.43% | 2.40% | 2.61% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 173.74% | 91.92% | 61.94% | 55.29% | 50.20% | 66.20% | 41.42% | 26.96% | -2,833 bps | |
| Loan Growth (YoY) | 230% | 93.62% | 80.34% | 64.29% | 54.54% | 33.66% | 17.43% | 10.93% | -5,336 bps | |
| Deposit Growth (YoY) | 266% | 115.73% | 69.37% | 61.47% | 53.04% | 72.62% | 45.29% | 26.96% | -3,451 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% | 0.00% | 0.03% | 0.09% | 0.06% | +6 bps | |
| Allowance / Loans | 0.73% | 0.77% | 0.82% | 0.95% | 1.03% | 1.19% | 1.12% | 1.09% | +14 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 | 16.39% | 15.50% | 13.47% | 12.48% | 12.35% | 12.66% | 12.65% | 12.71% | +23 bps | |
| Equity / Assets | 12.50% | 11.62% | 10.62% | 9.65% | 9.03% | 7.75% | 8.50% | 8.88% | -77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.33% | 85.66% | 93.99% | 91.17% | 86.17% | 66.33% | 75.97% | 79.66% | -1,151 bps | |
| Liquid Assets / Assets | 13.71% | 10.39% | 7.69% | 9.42% | 14.86% | 31.87% | 22.76% | 18.09% | +867 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |