Boling, TX · Cert 20349
FDIC
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 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.
Boling, TX · Cert 20349
FDIC
Q2 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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.32% | 1.05% | 0.53% | 0.73% | 0.74% | 0.75% | 0.68% | 0.80% | +7 bps | |
| Return on Equity | 10.46% | 8.24% | 4.07% | 5.47% | 5.52% | 5.56% | 5.01% | 6.04% | +57 bps | |
| Net Interest Margin | 3.01% | 3.07% | 3.45% | 3.63% | 3.75% | 3.70% | 4.00% | 3.86% | +23 bps | |
| Efficiency Ratio | 63.22% | 67.71% | 75.59% | 70.27% | 70.05% | 70.06% | 71.54% | 66.76% | -351 bps | |
| Non-Interest Burden | 1.72% | 1.98% | 2.58% | 2.48% | 2.57% | 2.54% | 2.84% | 2.55% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.82% | 35.36% | 28.68% | 24.76% | 1.14% | -1.94% | 6.35% | 14.14% | -1,062 bps | |
| Loan Growth (YoY) | 19.18% | 24.29% | 25.59% | 32.07% | 20.41% | 22.17% | 26.46% | 20.81% | -1,125 bps | |
| Deposit Growth (YoY) | 37.71% | 40.65% | 32.12% | 26.40% | 0.81% | -2.80% | 5.61% | 13.32% | -1,307 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 | 0.05% | 0.03% | 0.10% | 0.06% | 0.04% | 0.05% | 0.04% | 0.05% | -2 bps | |
| Allowance / Loans | 1.37% | 1.35% | 1.34% | 1.27% | 1.20% | 1.16% | 1.14% | 1.17% | -10 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 | 18.54% | 18.69% | 18.26% | 18.13% | 17.12% | 16.60% | 15.50% | 15.59% | -253 bps | |
| Equity / Assets | 13.50% | 12.74% | 13.38% | 13.83% | 14.03% | 13.74% | 13.32% | 12.79% | -103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.23% | 79.84% | 85.57% | 92.79% | 100.61% | 100.35% | 102.47% | 98.92% | +613 bps | |
| Liquid Assets / Assets | 20.83% | 24.79% | 19.47% | 14.52% | 9.01% | 9.01% | 9.35% | 13.24% | -128 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |