Hereford, TX · Cert 16589
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.52% | 1.38% | 1.29% | 1.96% | 1.45% | 1.44% | 1.49% | 1.85% | -11 bps | |
| Return on Equity | 17.60% | 16.71% | 14.31% | 20.17% | 15.15% | 15.50% | 15.92% | 19.57% | -60 bps | |
| Net Interest Margin | 4.44% | 4.00% | 4.34% | 4.63% | 4.54% | 4.41% | 4.13% | 4.10% | -53 bps | |
| Efficiency Ratio | 47.00% | 49.82% | 52.92% | 45.43% | 42.02% | 49.97% | 49.49% | 48.74% | +331 bps | |
| Non-Interest Burden | 1.69% | 1.67% | 2.27% | 1.64% | 1.52% | 1.87% | 1.77% | 1.65% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.05% | 9.50% | -1.26% | 2.29% | -6.20% | -1.60% | 6.35% | 9.66% | +737 bps | |
| Loan Growth (YoY) | -0.85% | 0.50% | -3.76% | 1.32% | 9.30% | 4.62% | 5.30% | 11.81% | +1,049 bps | |
| Deposit Growth (YoY) | 18.06% | 10.92% | -3.18% | 3.42% | -10.15% | -4.95% | 2.56% | 2.63% | -79 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 | 0.16% | -0.05% | 0.06% | 0.10% | 2.03% | 0.51% | 0.06% | 0.73% | +63 bps | |
| Allowance / Loans | 2.06% | 2.23% | 2.30% | 2.25% | 2.00% | 2.14% | 2.23% | 1.85% | -40 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 | 13.28% | 13.93% | 14.29% | 14.22% | 13.33% | 13.94% | 13.86% | 13.64% | -58 bps | |
| Equity / Assets | 8.05% | 8.52% | 9.53% | 9.93% | 9.25% | 9.27% | 9.51% | 9.43% | -50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.69% | 64.70% | 71.64% | 73.20% | 75.05% | 71.21% | 73.55% | 79.75% | +655 bps | |
| Liquid Assets / Assets | 14.55% | 14.62% | 7.16% | 4.39% | 2.07% | 8.47% | 1.65% | 1.49% | -291 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |