Lone Star, TX · Cert 19090
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Lone Star, TX · Cert 19090
FDIC
Q1 2013
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.13% | 2.01% | 1.94% | 1.86% | 1.81% | 1.81% | 1.73% | 1.76% | -10 bps | |
| Return on Equity | 24.99% | 24.32% | 23.74% | 23.10% | 22.57% | 22.55% | 21.92% | 22.07% | -103 bps | |
| Net Interest Margin | 3.45% | 3.22% | 3.10% | 2.91% | 3.05% | 2.88% | 2.85% | 2.78% | -14 bps | |
| Efficiency Ratio | 43.58% | 44.84% | 45.84% | 45.18% | 45.54% | 45.59% | 47.00% | 43.67% | -151 bps | |
| Non-Interest Burden | 1.21% | 1.20% | 1.20% | 1.08% | 1.16% | 1.11% | 1.15% | 1.02% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.24% | -6.98% | 7.47% | 1.86% | 8.90% | -1.37% | 5.62% | 1.33% | -53 bps | |
| Loan Growth (YoY) | -13.37% | -13.64% | -8.20% | -10.10% | -6.86% | -3.93% | 6.19% | 7.64% | +1,774 bps | |
| Deposit Growth (YoY) | -2.13% | -1.94% | -7.88% | -5.64% | 1.50% | -1.84% | 6.42% | 12.67% | +1,831 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.73% | 1.84% | 1.89% | 1.89% | 1.87% | 1.91% | 1.78% | 1.76% | -13 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 | 14.60% | 14.51% | 14.95% | 15.77% | 15.12% | 15.79% | 15.46% | 16.24% | +47 bps | |
| Equity / Assets | 8.61% | 7.63% | 7.77% | 8.32% | 7.99% | 7.94% | 7.53% | 8.41% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.95% | 71.11% | 75.08% | 74.26% | 69.69% | 69.59% | 74.92% | 70.94% | -332 bps | |
| Liquid Assets / Assets | 29.95% | 41.10% | 41.91% | 41.21% | 40.96% | 42.19% | 39.93% | 37.14% | -407 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |