Lubbock, TX · Cert 16701
FDIC
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 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.
Lubbock, TX · Cert 16701
FDIC
Q2 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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.50% | 1.46% | 1.75% | 1.75% | 1.66% | 1.48% | 1.66% | 2.26%1 | +51 bps | |
| Return on Equity | 15.31% | 15.12% | 19.05% | 18.62% | 17.46% | 15.77% | 18.31% | 24.62% | +600 bps | |
| Net Interest Margin | 3.59% | 3.47% | 3.35% | 3.37% | 3.35% | 3.17% | 3.24% | 3.23% | -13 bps | |
| Efficiency Ratio | 53.28% | 54.34% | 52.46% | 52.84% | 52.84% | 53.12% | 47.88% | 86.06% | +3,322 bps | |
| Non-Interest Burden | 1.23% | 1.24% | 1.16% | 1.14% | 1.12% | 1.07% | 0.87% | 2.60% | +146 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.83% | 11.76% | 10.68% | 11.21% | 17.45% | 14.59% | 14.79% | 14.04% | +284 bps | |
| Loan Growth (YoY) | 4.01% | 3.60% | 6.36% | 6.92% | 10.45% | 10.31% | 11.44% | 8.03% | +110 bps | |
| Deposit Growth (YoY) | 6.77% | 11.66% | 11.18% | 11.40% | 17.36% | 14.02% | 13.80% | 13.65% | +225 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 | 0.32% | 0.32% | -0.76% | -0.28% | -0.08% | 0.01% | 0.08% | 0.13% | +41 bps | |
| Allowance / Loans | 1.59% | 1.68% | 1.66% | 1.60% | 1.57% | 2.03% | 1.97% | 2.08% | +49 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 | 17.61% | 17.18% | 17.49% | 17.48% | 17.39% | 16.09% | 16.51% | 18.97% | +148 bps | |
| Equity / Assets | 10.29% | 9.09% | 9.33% | 9.75% | 9.80% | 8.97% | 9.13% | 9.39% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.87% | 50.82% | 50.54% | 52.65% | 52.58% | 49.17% | 49.50% | 50.05% | -261 bps | |
| Liquid Assets / Assets | 40.24% | 41.80% | 43.47% | 41.97% | 42.45% | 43.58% | 43.18% | 34.50% | -747 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |