Eastland, TX · Cert 14861
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.
Eastland, TX · Cert 14861
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 | 1.70% | 1.61% | 1.65% | 1.69% | 1.65% | 1.51% | 1.53% | 1.47% | -22 bps | |
| Return on Equity | 15.16% | 16.17% | 16.45% | 16.27% | 15.74% | 14.57% | 14.54% | 14.27% | -200 bps | |
| Net Interest Margin | 3.97% | 3.88% | 3.66% | 4.08% | 3.63% | 3.58% | 3.57% | 3.51% | -57 bps | |
| Efficiency Ratio | 49.21% | 51.64% | 50.11% | 50.25% | 50.30% | 51.44% | 51.68% | 51.98% | +172 bps | |
| Non-Interest Burden | 1.48% | 1.59% | 1.42% | 1.59% | 1.41% | 1.43% | 1.43% | 1.41% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.89% | 11.35% | 27.39% | 10.88% | 15.48% | 9.15% | 5.68% | 32.22% | +2,135 bps | |
| Loan Growth (YoY) | 11.86% | 7.18% | -4.04% | -2.97% | -3.55% | -2.50% | 5.74% | 5.64% | +861 bps | |
| Deposit Growth (YoY) | -1.31% | 13.12% | 29.23% | 13.02% | 15.89% | 9.32% | 6.08% | 37.27% | +2,425 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 | 0.23% | -0.20% | -0.07% | -0.05% | 0.23% | 0.46% | 0.31% | 0.37% | +42 bps | |
| Allowance / Loans | 1.66% | 1.76% | 1.88% | 1.87% | 1.80% | 1.73% | 1.72% | 1.68% | -19 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 | 15.34% | 15.78% | 16.81% | 17.03% | 17.30% | 17.33% | 17.48% | 16.84% | -19 bps | |
| Equity / Assets | 10.48% | 9.49% | 10.13% | 11.61% | 10.67% | 10.03% | 10.82% | 9.78% | -183 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.20% | 42.93% | 42.48% | 47.36% | 41.78% | 38.29% | 42.35% | 36.45% | -1,091 bps | |
| Liquid Assets / Assets | 12.66% | 16.08% | 17.03% | 6.20% | 11.40% | 10.20% | 6.81% | 0.31% | -589 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |