Jarrell, TX · Cert 11142
FDIC
Q2 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.59% | 0.62% | 0.43% | 2.48%1 | 1.62%1 | 0.05% | -0.20% | -64 bps | |
| Return on Equity | 7.31% | 7.10% | 7.96% | 5.52% | 29.78% | 19.83% | 0.69% | -2.53% | -805 bps | |
| Net Interest Margin | 5.24% | 5.15% | 5.17% | 4.98% | 4.73% | 4.71% | 4.64% | 4.14% | -84 bps | |
| Efficiency Ratio | 92.11% | 91.71% | 87.90% | 89.87% | 91.91% | 95.60% | 98.63% | 104.55% | +1,468 bps | |
| Non-Interest Burden | 4.76% | 4.65% | 4.45% | 4.40% | 4.30% | 4.47% | 4.57% | 4.36% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.49% | 20.04% | 15.06% | 17.79% | 12.50% | 1.98% | 5.53% | 0.24% | -1,755 bps | |
| Loan Growth (YoY) | 17.41% | 9.79% | 6.66% | -2.07% | -8.09% | -10.23% | -10.82% | -15.46% | -1,339 bps | |
| Deposit Growth (YoY) | 17.52% | 22.32% | 15.96% | 17.19% | 11.26% | 0.15% | 5.46% | -0.01% | -1,720 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 | 0.40% | 0.33% | -0.05% | 0.07% | 0.29% | 0.79% | 0.30% | 0.75% | +68 bps | |
| Allowance / Loans | 1.32% | 1.43% | 1.60% | 1.72% | 1.72% | 1.47% | 1.51% | 1.35% | -38 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 | 15.59% | 15.18% | 16.17% | 16.21% | 20.51% | 17.75% | 19.32% | 18.83% | +262 bps | |
| Equity / Assets | 8.61% | 7.38% | 8.09% | 8.15% | 9.61% | 7.47% | 8.18% | 8.40% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.33% | 47.06% | 45.21% | 39.87% | 40.75% | 42.18% | 38.23% | 33.71% | -616 bps | |
| Liquid Assets / Assets | 1.25% | 2.54% | 6.35% | 12.66% | 16.91% | 0.23% | 6.46% | 20.33% | +767 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |