Humble, TX · Cert 57661
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 | 0.29% | 0.56% | 0.93% | 0.99% | 1.06% | 1.19% | 1.18% | 0.73% | -26 bps | |
| Return on Equity | 2.18% | 4.66% | 8.39% | 9.82% | 11.36% | 14.32% | 14.53% | 8.41% | -141 bps | |
| Net Interest Margin | 3.84% | 4.14% | 4.88% | 4.69% | 4.80% | 4.46% | 4.55% | 4.44% | -25 bps | |
| Efficiency Ratio | 82.82% | 80.56% | 68.85% | 71.45% | 62.41% | 59.31% | 57.78% | 72.87% | +142 bps | |
| Non-Interest Burden | 3.11% | 3.25% | 3.26% | 3.22% | 2.86% | 2.46% | 2.53% | 3.16% | -6 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% | 0.01% | 0.00% | 0.05% | 0.21% | 0.01% | -1 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 |