Keller, TX · Cert 15836
FDIC
Q1 2010
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 0.76% | 0.68% | 0.82% | 0.49%1 | 0.40%1 | 0.34%1 | 0.58% | -23 bps | |
| Return on Equity | 12.42% | 8.31% | 7.30% | 9.05% | 5.62% | 4.54% | 3.86% | 6.20% | -285 bps | |
| Net Interest Margin | 3.42% | 3.57% | 3.32% | 2.97% | 2.89% | 2.88% | 3.08% | 3.28% | +32 bps | |
| Efficiency Ratio | 73.21% | 75.71% | 77.98% | 77.19% | 83.28% | 84.70% | 84.82% | 79.32% | +213 bps | |
| Non-Interest Burden | 2.34% | 2.55% | 2.47% | 2.19% | 2.33% | 2.37% | 2.55% | 2.51% | +32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.21% | 2.72% | 8.14% | 18.04% | 21.51% | 18.01% | 0.63% | -8.50% | -2,654 bps | |
| Loan Growth (YoY) | 1.63% | 10.42% | 15.68% | 15.78% | 15.38% | 6.48% | -0.49% | -12.25% | -2,803 bps | |
| Deposit Growth (YoY) | 3.39% | 1.97% | 7.56% | 19.50% | 22.21% | 18.88% | 0.95% | -9.44% | -2,894 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 | 0.15% | 0.30% | 0.29% | 0.67% | 0.78% | 1.07% | 1.19% | -0.16% | -83 bps | |
| Allowance / Loans | 1.06% | 1.21% | 1.14% | 1.15% | 1.22% | 1.58% | 1.60% | 1.89% | +74 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 | 18.46% | 18.08% | 17.34% | 15.82% | 16.58% | 17.38% | 17.26% | 18.72% | +290 bps | |
| Equity / Assets | 8.81% | 9.35% | 9.51% | 8.60% | 8.33% | 8.71% | 9.28% | 9.56% | +97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.53% | 61.07% | 60.01% | 55.68% | 52.43% | 54.70% | 59.15% | 53.96% | -173 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 4.31% | 7.68% | 7.62% | 8.89% | 3.69% | -62 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |