Sanderson, TX · Cert 11568
FDIC
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.23% | 0.12% | 0.05% | -0.23% | -0.75% | -2.68% | -2.30% | -234 bps | |
| Return on Equity | 1.23% | 1.71% | 0.97% | 0.36% | -1.79% | -7.20% | -25.96% | -22.00% | -2,236 bps | |
| Net Interest Margin | 3.94% | 4.02% | 3.52% | 3.33% | 4.00% | 3.38% | 3.68% | 3.81% | +47 bps | |
| Efficiency Ratio | 88.37% | 93.89% | 97.49% | 99.35% | 104.43% | 96.78% | 108.06% | 118.29% | +1,894 bps | |
| Non-Interest Burden | 3.46% | 3.77% | 3.43% | 3.31% | 4.18% | 3.27% | 4.69% | 4.99% | +168 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 | 0.43% | 0.46% | 0.20% | 0.19% | 0.11% | 0.26% | 1.33% | 0.95% | +76 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 |