Bertram, TX · Cert 10712
FDIC
Q2 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | -1.52% | 2.24%1 | 0.11% | 0.06% | 1.37% | 0.15% | 0.88% | +76 bps | |
| Return on Equity | 2.61% | -11.00% | 16.14% | 0.81% | 0.45% | 9.51% | 0.98% | 5.76% | +494 bps | |
| Net Interest Margin | 2.77% | 2.99% | 3.36% | 3.52% | 3.39% | 3.54% | 3.49% | 3.33% | -19 bps | |
| Efficiency Ratio | 89.35% | 91.81% | 86.04% | 88.24% | 82.07% | 85.67% | 107.81% | 78.81% | -942 bps | |
| Non-Interest Burden | 2.43% | 2.72% | 2.83% | 3.06% | 2.75% | 2.98% | 3.75% | 2.55% | -51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.37% | -1.94% | -3.27% | -4.03% | -7.60% | -9.03% | -6.26% | -8.37% | -434 bps | |
| Loan Growth (YoY) | -8.39% | 27.65% | 30.35% | 73.69% | 60.18% | 36.82% | 12.48% | -8.08% | -8,178 bps | |
| Deposit Growth (YoY) | 4.81% | -3.88% | -4.04% | -4.22% | -7.73% | -10.04% | -7.27% | -9.16% | -494 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% | 0.93% | 0.60% | 3.01% | 1.07% | 0.54% | 0.35% | -0.03% | -304 bps | |
| Allowance / Loans | 0.99% | 3.21% | 2.87% | 1.83% | 1.90% | 1.79% | 1.65% | 1.63% | -20 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 | 35.90% | 24.66% | 30.23% | 23.33% | 22.11% | 23.38% | 25.07% | 25.91% | +258 bps | |
| Equity / Assets | 13.88% | 13.73% | 14.05% | 14.02% | 13.81% | 15.15% | 15.10% | 15.31% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 28.16% | 36.78% | 42.48% | 49.81% | 48.89% | 55.95% | 51.53% | 50.41% | +59 bps | |
| Liquid Assets / Assets | 0.85% | 0.30% | 4.78% | 0.32% | 16.45% | 12.07% | 18.27% | 19.36% | +1,905 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |