Sweetwater, TX · Cert 16653
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 | 1.76% | 1.74% | 1.42% | 1.56% | 1.63% | 1.60% | 1.61% | 1.62% | +7 bps | |
| Return on Equity | 18.49% | 20.09% | 16.35% | 17.80% | 18.65% | 18.68% | 19.11% | 19.49% | +168 bps | |
| Net Interest Margin | 3.97% | 4.04% | 4.08% | 4.09% | 3.95% | 3.90% | 3.82% | 3.76% | -33 bps | |
| Efficiency Ratio | 54.01% | 53.42% | 57.73% | 55.34% | 53.77% | 53.26% | 52.89% | 52.26% | -308 bps | |
| Non-Interest Burden | 1.59% | 1.66% | 2.15% | 1.95% | 1.77% | 1.61% | 1.59% | 1.53% | -42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.12% | 15.72% | 18.98% | 16.02% | 12.42% | 14.79% | 17.57% | 16.19% | +17 bps | |
| Loan Growth (YoY) | 9.86% | 11.77% | 19.98% | 11.83% | 6.69% | 10.47% | 21.70% | 41.83% | +3,000 bps | |
| Deposit Growth (YoY) | 18.11% | 19.42% | 18.18% | 18.97% | 12.04% | 14.20% | 13.94% | 6.85% | -1,212 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 | 0.17% | -0.02% | 0.07% | 0.07% | 0.16% | 0.36% | 0.20% | 0.13% | +6 bps | |
| Allowance / Loans | 1.51% | 1.57% | 1.51% | 1.58% | 1.52% | 1.45% | 1.31% | 1.31% | -27 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 | 15.70% | 15.93% | 15.52% | 15.61% | 15.26% | 14.40% | 13.34% | 12.64% | -297 bps | |
| Equity / Assets | 8.65% | 8.67% | 8.82% | 8.79% | 8.76% | 8.34% | 8.19% | 8.09% | -70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.73% | 51.21% | 53.94% | 49.91% | 50.21% | 49.54% | 57.62% | 66.24% | +1,634 bps | |
| Liquid Assets / Assets | 5.37% | 6.36% | 5.89% | 9.04% | 6.68% | 5.64% | 5.02% | 4.47% | -457 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |