Houston, TX · Cert 21726
FDIC
Q2 2011
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 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.15% | 0.04% | 0.09% | 0.11% | -0.36% | -22 bps | |
| Return on Equity | -1.18% | 0.32% | 0.75% | 0.84% | -2.81% | -162 bps | |
| Net Interest Margin | 3.50% | 3.51% | 3.38% | 3.20% | 3.17% | -33 bps | |
| Efficiency Ratio | 73.24% | 72.78% | 74.07% | 75.62% | 78.96% | +572 bps | |
| Non-Interest Burden | 2.45% | 2.42% | 2.38% | 2.28% | 2.80% | +34 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.21% | 2.32% | 5.14% | 0.12% | -0.32% | -253 bps | |
| Loan Growth (YoY) | -15.26% | -14.34% | -15.10% | -16.46% | -19.61% | -436 bps | |
| Deposit Growth (YoY) | 5.16% | 2.33% | 5.59% | 1.47% | 0.45% | -471 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.83% | 1.62% | 1.61% | 1.91% | 1.59% | -24 bps | |
| Allowance / Loans | n/a | n/a | n/a | 2.90% | 3.24% | n/a | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 15.74% | 16.58% | 16.88% | 16.86% | 17.68% | +194 bps | |
| Equity / Assets | n/a | n/a | n/a | 13.13% | 13.09% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.40% | 70.37% | 64.12% | 62.64% | 57.94% | -1,446 bps | |
| Liquid Assets / Assets | 5.59% | 5.64% | 5.11% | 12.78% | 18.25% | +1,266 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |