Coahoma, TX · Cert 18411
FDIC
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Coahoma, TX · Cert 18411
FDIC
Q1 2009
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.67% | 0.61% | 0.45% | 0.47% | 0.19% | 0.28% | 0.54% | +9 bps | |
| Return on Equity | 10.11% | 9.74% | 8.91% | 6.84% | 7.00% | 2.80% | 4.17% | 8.03% | +119 bps | |
| Net Interest Margin | 3.94% | 3.72% | 3.53% | 3.44% | 3.54% | 3.54% | 3.48% | 3.37% | -7 bps | |
| Efficiency Ratio | 75.36% | 75.50% | 77.18% | 80.15% | 79.33% | 79.23% | 78.56% | 77.21% | -294 bps | |
| Non-Interest Burden | 2.75% | 2.61% | 2.54% | 2.60% | 2.64% | 2.62% | 2.55% | 2.41% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.55% | 18.03% | 13.08% | 19.70% | 15.91% | 10.84% | 4.63% | -0.19% | -1,989 bps | |
| Loan Growth (YoY) | 23.08% | 29.37% | 26.04% | 19.26% | 15.47% | 4.10% | 6.28% | 2.53% | -1,673 bps | |
| Deposit Growth (YoY) | 10.12% | 15.61% | 13.07% | 20.15% | 16.36% | 12.97% | 2.53% | -1.74% | -2,189 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 | 0.20% | 0.14% | 0.11% | 0.17% | 0.19% | 0.13% | 0.17% | -0.02% | -19 bps | |
| Allowance / Loans | 1.02% | 1.01% | 1.10% | 1.13% | 1.09% | 1.18% | 1.17% | 1.28% | +14 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 | 11.39% | 10.93% | 11.04% | 10.67% | 10.74% | 10.70% | 10.77% | 11.44% | +78 bps | |
| Equity / Assets | 6.93% | 6.95% | 6.64% | 6.59% | 6.74% | 6.54% | 6.70% | 6.87% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.05% | 75.91% | 69.84% | 66.25% | 72.49% | 69.95% | 72.39% | 69.13% | +288 bps | |
| Liquid Assets / Assets | 0.24% | 2.71% | 3.12% | 1.08% | 0.29% | 2.61% | 5.47% | 2.88% | +180 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |