Friona, TX · Cert 11908
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.89% | 2.50% | 2.14% | 2.57% | 1.40% | 2.31% | 2.23% | 2.84% | +27 bps | |
| Return on Equity | 16.74% | 22.16% | 18.65% | 21.71% | 12.03% | 20.62% | 19.55% | 24.90% | +319 bps | |
| Net Interest Margin | 4.07% | 4.00% | 3.83% | 3.98% | 4.05% | 3.96% | 3.86% | 4.27% | +28 bps | |
| Efficiency Ratio | 47.27% | 45.37% | 51.49% | 44.37% | 41.98% | 47.74% | 49.22% | 46.10% | +173 bps | |
| Non-Interest Burden | 1.65% | 1.53% | 1.72% | 1.46% | 1.39% | 1.62% | 1.65% | 1.67% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.73% | -0.77% | 0.62% | 3.33% | 3.84% | 5.82% | 6.27% | 6.34% | +301 bps | |
| Loan Growth (YoY) | 4.24% | -0.36% | 3.30% | 3.24% | 1.04% | 4.36% | 0.01% | 4.51% | +127 bps | |
| Deposit Growth (YoY) | 1.64% | -0.80% | 0.55% | -0.88% | 4.17% | 6.00% | 6.45% | 11.32% | +1,220 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 | 0.00% | -0.02% | -0.20% | -0.03% | 1.57% | 0.00% | 0.00% | -0.25% | -22 bps | |
| Allowance / Loans | 1.03% | 1.04% | 1.12% | 1.09% | 1.07% | 1.04% | 1.12% | 1.03% | -5 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 | 12.51% | 12.59% | 12.66% | 12.97% | 12.77% | 12.47% | 13.47% | 12.41% | -56 bps | |
| Equity / Assets | 11.39% | 11.19% | 11.75% | 11.93% | 11.31% | 11.13% | 11.70% | 11.16% | -78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.12% | 101.73% | 103.31% | 107.50% | 100.03% | 100.16% | 97.07% | 100.92% | -658 bps | |
| Liquid Assets / Assets | 0.00% | 3.17% | 1.75% | 1.33% | 3.72% | 4.21% | 7.40% | 3.33% | +200 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |