Houston, TX · Cert 21726
FDIC
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.95% | 0.24% | -0.42% | 0.12% | 0.41% | 0.25% | 0.11% | -0.84% | -97 bps | |
| Return on Equity | -15.27% | 1.96% | -3.44% | 0.96% | 3.15% | 1.97% | 0.84% | -6.45% | -741 bps | |
| Net Interest Margin | 3.94% | 3.86% | 3.66% | 3.45% | 3.45% | 3.18% | 3.20% | 3.13% | -32 bps | |
| Efficiency Ratio | 69.77% | 68.39% | 73.47% | 73.01% | 71.89% | 78.23% | 75.62% | 82.86% | +985 bps | |
| Non-Interest Burden | 2.61% | 2.52% | 2.58% | 2.40% | 2.29% | 2.39% | 2.28% | 3.31% | +91 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.62% | -3.69% | -3.26% | 2.21% | 2.32% | 5.14% | 0.12% | -0.32% | -253 bps | |
| Loan Growth (YoY) | -10.53% | -14.46% | -16.48% | -15.26% | -14.34% | -15.10% | -16.46% | -19.61% | -436 bps | |
| Deposit Growth (YoY) | 12.90% | 7.77% | 4.66% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 4.46% | 0.78% | 2.70% | 0.85% | 1.04% | 1.40% | 1.91% | 1.12% | +27 bps | |
| Allowance / Loans | n/a | n/a | n/a | 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 | 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 | 13.57% | 14.06% | 14.21% | 15.74% | 16.58% | 16.88% | 16.86% | 17.68% | +194 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 13.13% | 13.09% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.08% | 79.75% | 76.09% | 72.40% | 70.37% | 64.12% | 62.64% | 57.94% | -1,446 bps | |
| Liquid Assets / Assets | 3.38% | 4.55% | 5.45% | 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 | n/a | n/a | n/a |