Plano, TX · Charter 67925
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 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.
Plano, TX · Charter 67925
Q3 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.75% | 0.66% | 0.63% | 0.56% | 0.55% | 0.51% | 0.47% | -16 bps | |
| Return on Equity | 9.65% | 10.13% | 8.71% | 8.27% | 7.56% | 7.38% | 6.81% | 6.19% | -207 bps | |
| Net Interest Margin | 3.18% | 3.06% | 3.11% | 3.07% | 2.93% | 2.84% | 2.86% | 2.87% | -19 bps | |
| Efficiency Ratio | 72.48% | 78.31% | 76.56% | 76.22% | 77.52% | 81.36% | 82.43% | 83.96% | +774 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.41% | 8.35% | 0.84% | 1.94% | 6.55% | 7.09% | 8.12% | 6.67% | +473 bps | |
| Loan Growth (YoY) | 18.51% | 13.79% | 14.17% | 11.07% | 6.82% | 8.48% | 3.87% | -0.25% | -1,132 bps | |
| Share Growth (YoY) | 13.08% | 8.10% | 0.86% | 1.13% | 5.28% | 6.31% | 7.24% | 6.90% | +577 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.64% | 0.73% | 0.57% | 0.54% | 0.46% | 0.46% | 0.39% | 0.37% | -17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.82% | 0.75% | 0.75% | 0.75% | 0.73% | 0.70% | 0.66% | 0.60% | -15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.27% | 7.38% | 7.62% | 7.59% | 7.38% | 7.40% | 7.55% | 7.57% | -2 bps | |
| Net Worth / Assets | 7.27% | 7.38% | 7.62% | 7.59% | 7.38% | 7.40% | 7.55% | 7.57% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.21% | 86.63% | 92.68% | 94.46% | 89.50% | 88.40% | 89.77% | 88.14% | -632 bps | |
| Liquid Assets / Assets | 10.87% | 13.53% | 7.05% | 6.78% | 10.40% | 9.93% | 10.86% | 8.39% | +161 bps | |