Coupland, TX · Cert 17711
FDIC
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.41% | 0.67% | 0.62% | 0.74% | 1.02% | 0.94% | 0.76% | +14 bps | |
| Return on Equity | 2.02% | 4.37% | 7.40% | 6.75% | 7.82% | 11.21% | 10.85% | 8.70% | +194 bps | |
| Net Interest Margin | 3.34% | 3.30% | 3.84% | 3.49% | 3.53% | 3.66% | 3.79% | 3.94% | +45 bps | |
| Efficiency Ratio | 84.21% | 80.61% | 75.78% | 74.06% | 73.65% | 66.84% | 67.05% | 66.23% | -783 bps | |
| Non-Interest Burden | 2.89% | 2.68% | 2.94% | 2.69% | 2.60% | 2.42% | 2.59% | 2.64% | -5 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% | 0.02% | 0.12% | 0.00% | 0.09% | 0.01% | 0.00% | -12 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 |