San Angelo, TX · Cert 22105
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.99% | 1.86% | 1.98% | 2.06% | 1.86% | 1.81% | 1.84% | 2.00% | -6 bps | |
| Return on Equity | 15.48% | 15.07% | 15.73% | 16.12% | 14.88% | 15.04% | 15.65% | 17.08% | +96 bps | |
| Net Interest Margin | 4.12% | 4.06% | 4.05% | 3.98% | 3.86% | 3.71% | 3.63% | 3.57% | -41 bps | |
| Efficiency Ratio | 46.76% | 46.44% | 44.31% | 43.00% | 43.85% | 44.20% | 44.16% | 42.80% | -20 bps | |
| Non-Interest Burden | 1.36% | 1.45% | 1.34% | 1.13% | 1.21% | 1.16% | 1.10% | 0.96% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.66% | 10.27% | 11.59% | 9.57% | 9.50% | 10.71% | 12.45% | 9.78% | +21 bps | |
| Loan Growth (YoY) | 5.31% | 0.08% | 1.85% | -2.35% | -2.03% | 1.87% | 1.19% | 9.93% | +1,228 bps | |
| Deposit Growth (YoY) | 12.54% | 11.36% | 13.36% | 11.00% | 8.77% | 13.43% | 9.13% | 12.70% | +171 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 | 0.30% | -0.02% | -0.01% | 0.01% | 0.39% | 0.02% | 0.23% | 0.05% | +4 bps | |
| Allowance / Loans | 1.59% | 1.83% | 1.78% | 1.79% | 1.73% | 1.85% | 1.71% | 1.57% | -22 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 | 18.97% | 20.10% | 20.34% | 19.18% | 18.25% | 18.68% | 17.26% | 17.43% | -175 bps | |
| Equity / Assets | 12.30% | 12.37% | 12.77% | 12.76% | 12.27% | 11.85% | 11.70% | 11.67% | -109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 45.00% | 41.49% | 42.53% | 41.47% | 40.53% | 37.26% | 39.44% | 40.45% | -102 bps | |
| Liquid Assets / Assets | 1.73% | 0.89% | 3.91% | 3.44% | 1.30% | 2.32% | 0.18% | 1.84% | -160 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |