Van, TX · Cert 16768
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Van, TX · Cert 16768
FDIC
Q3 2011
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 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 1.04% | 1.07% | 1.06% | 1.09% | 0.94% | 1.04% | 1.05% | -1 bps | |
| Return on Equity | 7.02% | 7.03% | 7.21% | 7.10% | 7.24% | 6.17% | 6.75% | 6.77% | -33 bps | |
| Net Interest Margin | 4.35% | 4.25% | 4.20% | 4.25% | 4.30% | 4.26% | 4.14% | 4.23% | -2 bps | |
| Efficiency Ratio | 67.23% | 67.53% | 66.64% | 66.48% | 65.60% | 69.79% | 67.07% | 66.98% | +49 bps | |
| Non-Interest Burden | 2.67% | 2.61% | 2.53% | 2.56% | 2.55% | 2.75% | 2.53% | 2.59% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.55% | 2.43% | 5.52% | 4.00% | 0.21% | 1.23% | 0.34% | 0.19% | -381 bps | |
| Loan Growth (YoY) | 9.14% | 5.91% | -1.02% | -0.59% | -2.14% | -2.75% | 1.23% | -1.06% | -48 bps | |
| Deposit Growth (YoY) | 10.61% | 2.17% | 5.76% | 4.04% | -0.44% | 0.84% | -0.29% | -0.50% | -454 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 | 0.12% | 0.00% | 0.17% | 0.17% | 0.14% | 0.51% | 0.24% | 0.21% | +4 bps | |
| Allowance / Loans | 1.01% | 1.05% | 1.02% | 1.02% | 1.06% | 0.99% | 1.01% | 1.00% | -2 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 | 24.64% | 24.56% | 26.24% | 25.73% | 26.13% | 26.81% | 26.79% | 27.50% | +177 bps | |
| Equity / Assets | 14.91% | 14.79% | 14.81% | 15.26% | 15.47% | 15.15% | 15.37% | 15.85% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.56% | 89.58% | 85.55% | 90.15% | 89.99% | 86.39% | 86.86% | 89.64% | -51 bps | |
| Liquid Assets / Assets | 10.76% | 10.26% | 13.84% | 10.66% | 9.46% | 11.10% | 11.00% | 10.83% | +17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |