Houston, TX · Cert 18776
FDIC
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 1.97% | 1.17% | -27.95% | -1.79% | 0.38% | -0.21% | -31.13% | -317 bps | |
| Return on Equity | 3.70% | 19.03% | 12.19% | -328% | -20.12% | 3.60% | -1.90% | -375% | -4,650 bps | |
| Net Interest Margin | 4.67% | 3.87% | 3.67% | 3.33% | 3.29% | 2.70% | 2.98% | 2.45% | -89 bps | |
| Efficiency Ratio | 79.07% | 54.29% | 52.72% | 58.60% | 126.69% | 94.04% | 108.85% | 160.83% | +10,222 bps | |
| Non-Interest Burden | 3.85% | 1.60% | 1.77% | 1.82% | 3.85% | 2.53% | 3.27% | 3.44% | +162 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 | -0.01% | 0.12% | 1.76% | 0.00% | 0.02% | 0.00% | 0.00% | 0.67% | +67 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 |