Winnie, TX · Cert 18046
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | -0.07% | 0.81% | 0.88% | 0.95% | 0.34% | 0.88% | 0.49% | -39 bps | |
| Return on Equity | 6.15% | -0.44% | 4.78% | 5.39% | 6.14% | 2.41% | 6.63% | 3.51% | -188 bps | |
| Net Interest Margin | 4.35% | 4.22% | 4.07% | 3.87% | 3.91% | 3.68% | 3.46% | 3.12% | -74 bps | |
| Efficiency Ratio | 71.12% | 103.27% | 74.75% | 74.45% | 71.03% | 90.23% | 67.98% | 79.18% | +473 bps | |
| Non-Interest Burden | 2.63% | 4.40% | 2.71% | 2.58% | 2.44% | 3.23% | 2.05% | 2.27% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.44% | 2.33% | 4.50% | 11.30% | 18.76% | 39.02% | 36.36% | 20.52% | +922 bps | |
| Loan Growth (YoY) | -15.09% | -7.57% | -11.64% | -2.02% | 1.48% | -3.24% | 6.60% | -4.03% | -200 bps | |
| Deposit Growth (YoY) | -0.88% | 1.69% | 3.52% | 12.82% | 21.72% | 44.91% | 42.25% | 21.63% | +882 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 | 0.25% | 0.09% | 0.10% | 0.07% | 0.17% | 0.07% | 0.08% | 0.15% | +8 bps | |
| Allowance / Loans | 1.56% | 1.48% | 1.67% | 1.64% | 1.53% | 1.52% | 1.53% | 1.66% | +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 | 16.10% | 14.88% | 16.11% | 16.12% | 15.09% | 13.96% | 15.51% | 16.93% | +81 bps | |
| Equity / Assets | 17.49% | 16.82% | 16.99% | 15.59% | 15.32% | 13.14% | 13.38% | 14.44% | -115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 43.95% | 44.60% | 39.61% | 37.51% | 36.65% | 29.78% | 29.69% | 29.60% | -791 bps | |
| Liquid Assets / Assets | 1.34% | 1.13% | 1.06% | 0.98% | 2.99% | 1.79% | 2.49% | 10.61% | +963 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |