Santa Fe, TX · Cert 22420
FDIC
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
Santa Fe, TX · Cert 22420
FDIC
Q1 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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.95% | 0.86% | 0.92% | 0.33% | 0.28% | 0.32% | 0.94% | +3 bps | |
| Return on Equity | 10.02% | 10.86% | 9.82% | 10.05% | 3.75% | 3.23% | 3.60% | 10.68% | +63 bps | |
| Net Interest Margin | 4.60% | 4.49% | 4.44% | 4.63% | 4.65% | 4.38% | 4.63% | 4.58% | -5 bps | |
| Efficiency Ratio | 68.75% | 67.25% | 69.43% | 67.24% | 68.89% | 71.87% | 72.87% | 70.50% | +326 bps | |
| Non-Interest Burden | 2.86% | 2.69% | 2.78% | 2.79% | 2.89% | 2.88% | 3.11% | 2.96% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.57% | 12.78% | 11.18% | -2.27% | 3.38% | -0.12% | -1.84% | 4.08% | +635 bps | |
| Loan Growth (YoY) | 21.42% | 21.06% | 26.87% | 4.77% | 16.54% | 19.19% | 19.14% | 17.14% | +1,236 bps | |
| Deposit Growth (YoY) | 9.06% | 13.78% | 11.80% | -1.31% | 3.57% | -0.10% | -1.94% | 4.48% | +578 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 | 0.21% | 0.30% | 0.32% | 0.53% | 1.80% | 1.47% | 1.34% | 0.04% | -48 bps | |
| Allowance / Loans | 1.75% | 1.79% | 1.84% | 1.90% | 1.76% | 1.78% | 1.79% | 1.88% | -2 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 | 14.18% | 14.00% | 13.95% | 13.98% | 12.57% | 12.75% | 12.65% | 13.38% | -60 bps | |
| Equity / Assets | 8.45% | 8.59% | 8.62% | 9.64% | 8.46% | 8.56% | 8.61% | 9.07% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.56% | 57.21% | 58.37% | 64.22% | 64.76% | 68.26% | 70.91% | 72.00% | +778 bps | |
| Liquid Assets / Assets | 24.69% | 20.15% | 15.45% | 15.22% | 16.34% | 12.98% | 14.15% | 18.45% | +323 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |