Sanderson, TX · Cert 11568
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.23% | 0.03% | -0.11% | -1.06% | -0.75% | -4.52% | -1.41% | -130 bps | |
| Return on Equity | 1.65% | 1.71% | 0.23% | -0.85% | -8.31% | -7.20% | -45.98% | -13.52% | -1,268 bps | |
| Net Interest Margin | 4.21% | 4.02% | 3.55% | 3.06% | 4.22% | 3.38% | 4.15% | 2.88% | -18 bps | |
| Efficiency Ratio | 78.91% | 93.89% | 101.12% | 103.01% | 119.61% | 96.78% | 119.78% | 146.77% | +4,376 bps | |
| Non-Interest Burden | 3.24% | 3.77% | 3.59% | 3.16% | 5.03% | 3.27% | 6.26% | 4.10% | +94 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 66.82% | 74.71% | 69.26% | 15.78% | 19.32% | 24.33% | -6.40% | 7.61% | -817 bps | |
| Loan Growth (YoY) | 86.50% | 98.76% | 72.17% | 15.98% | 21.43% | 29.46% | -0.87% | 12.36% | -362 bps | |
| Deposit Growth (YoY) | 48.93% | 105.61% | 130.60% | 19.68% | 68.44% | 35.56% | 1.65% | 19.31% | -37 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 | 0.45% | 0.46% | 0.00% | 0.03% | 0.00% | 0.26% | 2.37% | -0.24% | -27 bps | |
| Allowance / Loans | 0.32% | 0.18% | 0.14% | 0.17% | 0.24% | 0.38% | 0.82% | 1.09% | +91 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 | 15.94% | 14.78% | 12.68% | 15.01% | 12.23% | 12.02% | 11.42% | 13.80% | -121 bps | |
| Equity / Assets | 13.78% | 13.01% | 11.30% | 14.64% | 11.31% | 9.66% | 10.03% | 10.89% | -376 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 128.56% | 109.03% | 101.74% | 103.02% | 92.68% | 104.12% | 99.23% | 97.02% | -600 bps | |
| Liquid Assets / Assets | 0.04% | 0.02% | 5.35% | 0.84% | 0.03% | 0.02% | 0.15% | 0.19% | -65 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |