Kosse, TX · Cert 1197
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 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.
Kosse, TX · Cert 1197
FDIC
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 1.08% | 1.13% | 1.19% | 1.23% | 1.21% | 1.37% | 1.41% | +21 bps | |
| Return on Equity | 1.54% | 8.61% | 8.70% | 8.98% | 9.26% | 8.80% | 9.82% | 10.03% | +104 bps | |
| Net Interest Margin | 0.56% | 3.64% | 3.81% | 3.76% | 3.69% | 3.48% | 3.53% | 3.53% | -24 bps | |
| Efficiency Ratio | 63.10% | 55.78% | 47.55% | 46.26% | 45.81% | 52.47% | 48.93% | 48.47% | +221 bps | |
| Non-Interest Burden | 0.34% | 1.82% | 1.51% | 1.42% | 1.37% | 1.56% | 1.40% | 1.38% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.53% | 14.62% | 8.21% | 8.31% | 0.06% | 1.61% | 2.67% | 3.71% | -460 bps | |
| Loan Growth (YoY) | -6.81% | -9.84% | -11.87% | -18.44% | -2.23% | -0.38% | 3.13% | 10.12% | +2,856 bps | |
| Deposit Growth (YoY) | 16.68% | 11.15% | 3.95% | 3.88% | -2.65% | 0.31% | 0.04% | 3.25% | -64 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 | -0.01% | 0.00% | 0.00% | 0.00% | 0.01% | 0.04% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.03% | 0.18% | 0.68% | 1.02% | 1.16% | 1.23% | 1.30% | 1.35% | +33 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 | 12.84% | 14.26% | 15.43% | 15.99% | 15.64% | 15.62% | 15.78% | 15.72% | -27 bps | |
| Equity / Assets | 12.16% | 13.02% | 13.95% | 13.95% | 13.66% | 13.94% | 14.33% | 14.14% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.88% | 59.39% | 61.65% | 56.54% | 57.12% | 58.98% | 63.55% | 60.31% | +377 bps | |
| Liquid Assets / Assets | 6.81% | 3.70% | 1.61% | 4.46% | 2.59% | 1.67% | 0.80% | 3.53% | -93 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |