Breckenridge, TX · Cert 18830
FDIC
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Breckenridge, TX · Cert 18830
FDIC
Q3 2010
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.62% | 2.37% | 2.36% | 2.51% | 2.31% | 2.57% | 2.23% | 2.11% | -40 bps | |
| Return on Equity | 26.84% | 22.61% | 22.23% | 23.62% | 21.73% | 24.32% | 21.41% | 20.31% | -331 bps | |
| Net Interest Margin | 3.95% | 3.78% | 4.00% | 4.06% | 4.10% | 4.17% | 3.69% | 3.60% | -46 bps | |
| Efficiency Ratio | 34.38% | 43.08% | 44.79% | 43.40% | 42.83% | 44.27% | 46.54% | 46.85% | +345 bps | |
| Non-Interest Burden | 1.12% | 1.43% | 1.56% | 1.52% | 1.50% | 1.58% | 1.45% | 1.44% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.40% | -1.44% | -7.18% | -4.05% | -9.17% | -3.14% | 2.21% | 1.17% | +523 bps | |
| Loan Growth (YoY) | 14.99% | 1.68% | -2.70% | -7.88% | -18.47% | 0.20% | -2.89% | -6.86% | +102 bps | |
| Deposit Growth (YoY) | 8.16% | -2.56% | -8.38% | -7.48% | -9.62% | -2.68% | 3.18% | 4.60% | +1,208 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% | 0.01% | 0.02% | 0.02% | 0.52% | -0.02% | 0.03% | 0.13% | +11 bps | |
| Allowance / Loans | 1.00% | 1.17% | 1.17% | 1.10% | 1.08% | 1.03% | 1.06% | 1.04% | -6 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 | 11.27% | 13.37% | 12.82% | 12.34% | 12.70% | 12.23% | 12.73% | 13.08% | +74 bps | |
| Equity / Assets | 10.04% | 10.92% | 10.90% | 10.68% | 10.56% | 10.57% | 10.14% | 10.35% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.52% | 96.77% | 98.98% | 103.71% | 95.19% | 99.63% | 93.15% | 92.35% | -1,136 bps | |
| Liquid Assets / Assets | 0.31% | 9.73% | 6.93% | 4.79% | 8.89% | 4.86% | 10.75% | 12.09% | +730 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |