Hull, TX · Cert 11141
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | -1.52% | 0.92% | 0.16% | -0.06% | 0.14% | 0.12% | -1.99% | -214 bps | |
| Return on Equity | 2.44% | -15.87% | 9.27% | 1.54% | -0.57% | 1.41% | 1.17% | -19.79% | -2,133 bps | |
| Net Interest Margin | 3.49% | 3.77% | 3.98% | 3.53% | 3.19% | 3.32% | 3.58% | 3.53% | +1 bps | |
| Efficiency Ratio | 91.25% | 91.67% | 86.49% | 95.57% | 98.57% | 92.40% | 94.81% | 172.49% | +7,692 bps | |
| Non-Interest Burden | 3.12% | 3.39% | 3.34% | 3.34% | 3.14% | 3.02% | 3.35% | 6.58% | +324 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.14% | 3.58% | -0.01% | -1.17% | -1.97% | -4.62% | -3.88% | -5.98% | -481 bps | |
| Loan Growth (YoY) | -10.54% | -4.38% | -4.49% | -9.88% | -10.29% | -12.22% | -10.30% | -13.72% | -384 bps | |
| Deposit Growth (YoY) | 6.71% | 4.30% | -0.16% | -1.33% | -2.06% | -4.94% | -3.62% | -5.44% | -411 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 | -0.06% | 0.06% | 3.61% | 0.18% | 0.07% | 0.15% | 0.24% | -2.33% | -250 bps | |
| Allowance / Loans | 0.47% | 1.62% | 0.62% | 0.75% | 0.79% | 0.75% | 0.76% | 1.51% | +76 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 | 13.95% | 13.22% | 13.35% | 15.73% | 20.69% | 20.84% | 21.64% | 23.25% | +752 bps | |
| Equity / Assets | 9.47% | 9.69% | 10.25% | 10.08% | 9.57% | 10.14% | 10.24% | 9.83% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 42.43% | 47.96% | 46.91% | 41.28% | 38.86% | 44.28% | 43.66% | 37.67% | -361 bps | |
| Liquid Assets / Assets | 5.87% | 7.42% | 7.80% | 7.58% | 5.97% | 6.63% | 6.68% | 5.16% | -242 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |