San Angelo, TX · Cert 22105
FDIC
Q3 2012
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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.93% | 1.86% | 1.92% | 1.96% | 1.94% | 1.81% | 1.83% | 1.89% | -7 bps | |
| Return on Equity | 14.46% | 15.07% | 15.38% | 15.63% | 15.49% | 15.04% | 15.32% | 15.91% | +28 bps | |
| Net Interest Margin | 3.96% | 4.06% | 4.05% | 3.98% | 3.89% | 3.71% | 3.63% | 3.50% | -48 bps | |
| Efficiency Ratio | 46.92% | 46.44% | 45.37% | 44.56% | 44.38% | 44.20% | 44.18% | 43.70% | -86 bps | |
| Non-Interest Burden | 1.35% | 1.45% | 1.39% | 1.29% | 1.25% | 1.16% | 1.12% | 1.03% | -26 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 | 0.20% | -0.02% | -0.02% | -0.01% | 0.09% | 0.02% | 0.12% | 0.09% | +10 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 |