Coupland, TX · Cert 17711
FDIC
Q4 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2008, the quarter ended December 31, 2008, 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.
Coupland, TX · Cert 17711
FDIC
Q4 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.30% | 0.44% | 0.49% | 0.74% | 0.88% | 0.90% | 0.87% | +39 bps | |
| Return on Equity | 2.02% | 3.27% | 4.78% | 5.31% | 7.82% | 9.57% | 10.01% | 9.72% | +441 bps | |
| Net Interest Margin | 3.34% | 3.18% | 3.41% | 3.10% | 3.53% | 3.49% | 3.46% | 3.56% | +45 bps | |
| Efficiency Ratio | 84.21% | 82.31% | 79.90% | 78.34% | 73.65% | 70.09% | 69.02% | 68.27% | -1,007 bps | |
| Non-Interest Burden | 2.89% | 2.66% | 2.76% | 2.48% | 2.60% | 2.43% | 2.39% | 2.44% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.44% | 35.07% | 39.36% | 30.15% | 23.03% | 25.21% | 20.46% | 13.09% | -1,706 bps | |
| Loan Growth (YoY) | 24.33% | 36.54% | 38.28% | 34.85% | 38.96% | 28.62% | 25.54% | 14.88% | -1,996 bps | |
| Deposit Growth (YoY) | 29.39% | 37.05% | 40.56% | 29.28% | 13.95% | 24.61% | 19.21% | 17.18% | -1,210 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 | 0.03% | 0.01% | 0.01% | 0.04% | 0.00% | 0.05% | 0.03% | 0.03% | -1 bps | |
| Allowance / Loans | 0.55% | 0.55% | 0.56% | 0.53% | 0.56% | 0.57% | 0.63% | 0.79% | +26 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 | 10.17% | 10.26% | 10.02% | 10.12% | 10.30% | 10.01% | 10.07% | 10.09% | -3 bps | |
| Equity / Assets | 9.26% | 9.30% | 8.86% | 9.39% | 9.52% | 8.67% | 8.65% | 8.81% | -58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.38% | 91.05% | 90.37% | 102.76% | 107.77% | 93.99% | 95.17% | 100.75% | -201 bps | |
| Liquid Assets / Assets | 0.20% | 0.22% | 0.15% | 1.66% | 1.57% | 1.83% | 1.55% | 2.05% | +40 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |