Stephenville, TX · Cert 22617
FDIC
Q4 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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.18% | 1.26% | 1.34% | 1.35% | 1.42% | 1.37% | 1.38% | 1.30% | -5 bps | |
| Return on Equity | 12.67% | 13.23% | 13.62% | 13.51% | 13.40% | 12.89% | 12.93% | 12.31% | -121 bps | |
| Net Interest Margin | 3.37% | 3.32% | 3.27% | 3.25% | 3.23% | 3.14% | 3.09% | 2.93% | -32 bps | |
| Efficiency Ratio | 71.15% | 69.54% | 68.31% | 68.37% | 68.93% | 69.24% | 69.28% | 70.43% | +206 bps | |
| Non-Interest Burden | 2.05% | 1.93% | 1.83% | 1.82% | 1.85% | 1.79% | 1.74% | 1.69% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.04% | 8.84% | 8.02% | 7.86% | 10.95% | 8.33% | 7.80% | 12.87% | +501 bps | |
| Loan Growth (YoY) | 0.09% | -1.92% | -6.47% | -7.04% | -2.03% | -1.86% | 2.25% | 5.43% | +1,247 bps | |
| Deposit Growth (YoY) | 9.33% | 8.46% | 7.34% | 5.94% | 9.86% | 7.57% | 7.49% | 13.74% | +780 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 | 0.44% | 0.20% | 0.14% | 0.13% | -0.01% | -0.02% | -0.02% | 0.01% | -11 bps | |
| Allowance / Loans | 1.56% | 1.65% | 1.80% | 1.87% | 1.93% | 1.94% | 2.01% | 1.93% | +6 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 | 20.96% | 20.88% | 21.47% | 22.24% | 22.57% | 22.69% | 23.25% | 22.92% | +68 bps | |
| Equity / Assets | 9.48% | 9.94% | 10.59% | 10.79% | 10.44% | 10.58% | 10.84% | 10.30% | -49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.87% | 45.88% | 43.73% | 43.71% | 41.79% | 41.85% | 41.60% | 40.52% | -319 bps | |
| Liquid Assets / Assets | 14.82% | 11.85% | 9.39% | 10.24% | 13.75% | 12.69% | 14.50% | 17.85% | +762 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |