Breckenridge, TX · Cert 18830
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.80% | 2.37% | 2.36% | 2.87% | 1.65% | 2.57% | 1.90% | 1.89% | -98 bps | |
| Return on Equity | 18.13% | 22.61% | 21.62% | 26.59% | 15.56% | 24.32% | 18.39% | 18.43% | -816 bps | |
| Net Interest Margin | 4.10% | 3.78% | 3.99% | 4.33% | 4.29% | 4.17% | 3.26% | 3.65% | -69 bps | |
| Efficiency Ratio | 33.86% | 43.08% | 46.49% | 40.91% | 41.25% | 44.27% | 49.29% | 47.46% | +655 bps | |
| Non-Interest Burden | 1.16% | 1.43% | 1.61% | 1.49% | 1.46% | 1.58% | 1.35% | 1.49% | 0 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 | 0.03% | 0.01% | 0.02% | 0.04% | 1.99% | -0.02% | 0.07% | 0.33% | +29 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 |