Houston, TX · Cert 18776
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 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.
Houston, TX · Cert 18776
FDIC
Q3 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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.28% | 1.97% | 1.56% | -8.68% | -7.19% | 0.38% | 0.09% | -9.83% | -115 bps | |
| Return on Equity | 9.18% | 19.03% | 15.56% | -92.45% | -74.85% | 3.60% | 0.84% | -104.04% | -1,159 bps | |
| Net Interest Margin | 4.67% | 3.87% | 3.52% | 3.41% | 3.62% | 2.70% | 2.97% | 2.78% | -63 bps | |
| Efficiency Ratio | 59.51% | 54.29% | 53.53% | 55.10% | 65.12% | 94.04% | 101.47% | 113.59% | +5,850 bps | |
| Non-Interest Burden | 2.66% | 1.60% | 1.58% | 1.64% | 2.31% | 2.53% | 3.02% | 3.15% | +151 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.17% | 29.73% | 40.84% | 32.99% | -8.29% | -20.54% | -32.20% | -25.15% | -5,814 bps | |
| Loan Growth (YoY) | 8.58% | 27.53% | 36.11% | 31.98% | -0.67% | -22.62% | -26.86% | -23.89% | -5,587 bps | |
| Deposit Growth (YoY) | 15.27% | -5.39% | 0.84% | 0.68% | -8.70% | 2.34% | -3.47% | 11.25% | +1,057 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 | 0.00% | 0.12% | 0.94% | 0.65% | 0.59% | 0.00% | 0.00% | 0.22% | -42 bps | |
| Allowance / Loans | 1.42% | 1.17% | 0.79% | 1.47% | 1.49% | 1.46% | 1.49% | 2.45% | +98 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 | 12.52% | 11.57% | 11.34% | 7.91% | 10.04% | 10.19% | 10.33% | -2.69% | -1,060 bps | |
| Equity / Assets | 11.12% | 9.66% | 9.46% | 7.51% | 10.64% | 10.34% | 11.90% | 4.83% | -268 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.15% | 125.72% | 128.22% | 126.35% | 115.48% | 95.05% | 97.15% | 86.44% | -3,991 bps | |
| Liquid Assets / Assets | 0.02% | 0.03% | 0.07% | 0.10% | 0.16% | 9.41% | 0.03% | 10.04% | +993 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |