Bonham, TX · Cert 9021
FDIC
Q3 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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.05% | 0.95% | 0.94% | 0.91% | 1.03% | 1.02% | 0.73% | -21 bps | |
| Return on Equity | 10.62% | 11.26% | 9.95% | 9.67% | 9.37% | 10.07% | 9.79% | 6.87% | -280 bps | |
| Net Interest Margin | 3.34% | 3.13% | 3.22% | 3.16% | 3.15% | 3.23% | 3.22% | 3.26% | +9 bps | |
| Efficiency Ratio | 64.79% | 62.85% | 67.55% | 68.36% | 69.76% | 67.95% | 68.26% | 79.46% | +1,110 bps | |
| Non-Interest Burden | 1.89% | 1.67% | 1.88% | 1.89% | 1.93% | 1.95% | 1.94% | 2.42% | +53 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.51% | 3.32% | -2.20% | 1.07% | -0.27% | -10.55% | -4.85% | -5.00% | -606 bps | |
| Loan Growth (YoY) | -0.16% | -2.97% | -7.06% | -8.77% | -3.82% | -0.81% | 3.84% | 4.62% | +1,339 bps | |
| Deposit Growth (YoY) | 3.47% | 3.25% | -2.69% | 0.78% | -0.77% | -12.17% | -5.93% | -5.17% | -594 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 | 0.33% | 0.27% | 0.06% | 0.03% | 0.03% | 0.26% | 0.25% | 0.16% | +12 bps | |
| Allowance / Loans | 1.06% | 1.08% | 1.21% | 1.26% | 1.21% | 1.13% | 1.06% | 1.08% | -18 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 | 20.61% | 20.89% | 22.34% | 23.26% | 21.55% | 22.48% | 22.10% | 21.23% | -202 bps | |
| Equity / Assets | 9.44% | 9.29% | 9.91% | 10.39% | 9.77% | 10.79% | 10.87% | 11.13% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.75% | 46.99% | 47.77% | 48.50% | 48.22% | 53.07% | 52.73% | 53.50% | +501 bps | |
| Liquid Assets / Assets | 20.94% | 20.36% | 24.08% | 24.65% | 23.66% | 23.88% | 21.80% | 20.01% | -464 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |