Edinburg, TX · Cert 14318
FDIC
Q2 2013
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.25% | -0.70% | -1.39% | -3.07% | -3.15% | -3.96% | -0.42% | -0.91% | +216 bps | |
| Return on Equity | -2.75% | -7.64% | -15.26% | -35.38% | -37.83% | -50.41% | -7.11% | -15.88% | +1,951 bps | |
| Net Interest Margin | 2.99% | 2.94% | 2.66% | 2.62% | 2.57% | 2.27% | 2.11% | 2.07% | -55 bps | |
| Efficiency Ratio | 80.89% | 92.20% | 225% | 240% | 379% | 4104% | 113.03% | 136.77% | -10,295 bps | |
| Non-Interest Burden | 2.30% | 2.68% | 4.78% | 4.87% | 5.51% | 6.23% | 2.48% | 2.96% | -191 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.58% | -8.07% | -6.82% | -6.22% | -7.17% | -6.86% | -9.89% | -11.85% | -563 bps | |
| Loan Growth (YoY) | -6.53% | -10.69% | -14.03% | -16.01% | -18.22% | -15.82% | -14.81% | -13.25% | +276 bps | |
| Deposit Growth (YoY) | -7.13% | -9.92% | -7.08% | -4.75% | -5.07% | -3.59% | -8.40% | -11.80% | -705 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 | 0.94% | 1.67% | 2.31% | 1.83% | 3.00% | 2.87% | 1.97% | 1.80% | -3 bps | |
| Allowance / Loans | 3.29% | 3.31% | 2.88% | 4.70% | 4.06% | 4.18% | 3.93% | 4.04% | -66 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 | 13.53% | 13.03% | 11.99% | 9.96% | 8.51% | 4.85% | 4.76% | 4.16% | -579 bps | |
| Equity / Assets | 9.44% | 9.32% | 8.87% | 7.84% | 7.23% | 5.83% | 5.85% | 5.56% | -228 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.30% | 91.46% | 85.57% | 81.09% | 78.65% | 79.86% | 79.59% | 79.75% | -133 bps | |
| Liquid Assets / Assets | 7.26% | 6.41% | 8.51% | 12.84% | 12.38% | 7.65% | 7.01% | 8.22% | -462 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |