Deer Park, TX · Charter 11762
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Deer Park, TX · Charter 11762
Q1 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.99% | 1.44% | 0.76% | 0.10% | 0.04% | -0.78% | -1.97% | -1.10% | -120 bps | |
| Return on Equity | 13.38% | 9.56% | 4.39% | 0.68% | 0.25% | -5.60% | -15.93% | -9.57% | -1,025 bps | |
| Net Interest Margin | 6.04% | 5.21% | 5.46% | 4.35% | 4.19% | 4.11% | 3.90% | 3.29% | -106 bps | |
| Efficiency Ratio | 55.25% | 65.40% | 69.27% | 88.98% | 91.33% | 94.82% | 99.16% | 118.81% | +2,983 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.84% | -5.55% | -17.94% | -8.13% | -7.40% | -9.98% | 3.88% | 4.84% | +1,296 bps | |
| Loan Growth (YoY) | -1.68% | -18.10% | -32.02% | -29.47% | -29.78% | -27.69% | -16.67% | -14.45% | +1,503 bps | |
| Share Growth (YoY) | -1.36% | -6.30% | -16.91% | -5.53% | -1.68% | -4.83% | 10.65% | 8.28% | +1,381 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 15.57% | 9.59% | 6.53% | 5.40% | 7.22% | 6.04% | 4.08% | 2.58% | -282 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.24% | 0.50% | 0.77% | 1.56% | 0.98% | 1.44% | 2.84% | 2.23% | +67 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.88% | 15.08% | 17.37% | 14.31% | 14.27% | 13.92% | 12.38% | 11.48% | -283 bps | |
| Net Worth / Assets | 14.88% | 15.08% | 17.37% | 14.31% | 14.27% | 13.92% | 12.38% | 11.48% | -283 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.60% | 83.92% | 80.49% | 71.63% | 67.57% | 63.76% | 60.61% | 56.60% | -1,503 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |