Quitman, TX · Cert 23739
FDIC
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 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.
Quitman, TX · Cert 23739
FDIC
Q4 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 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.66% | 0.60% | 0.59% | 0.32% | 0.45% | 0.46% | 0.06% | -52 bps | |
| Return on Equity | 5.18% | 5.30% | 4.80% | 4.68% | 2.63% | 3.66% | 3.70% | 0.51% | -418 bps | |
| Net Interest Margin | 3.51% | 3.51% | 3.65% | 3.61% | 3.60% | 3.67% | 3.93% | 3.91% | +31 bps | |
| Efficiency Ratio | 88.91% | 87.38% | 84.95% | 84.16% | 89.60% | 86.32% | 81.46% | 86.37% | +221 bps | |
| Non-Interest Burden | 2.92% | 2.82% | 2.78% | 2.71% | 3.06% | 2.95% | 2.90% | 3.15% | +44 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.78% | -10.41% | -0.13% | 0.52% | 3.25% | 5.77% | 5.80% | -1.48% | -200 bps | |
| Loan Growth (YoY) | -5.72% | -2.41% | 7.07% | 3.88% | 10.49% | 14.06% | 7.46% | 2.23% | -165 bps | |
| Deposit Growth (YoY) | -11.15% | -11.76% | -0.44% | 0.18% | 3.59% | 6.26% | 6.45% | -1.26% | -144 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 | 0.22% | 0.21% | 0.16% | 0.22% | 0.28% | 0.28% | 0.48% | 0.51% | +29 bps | |
| Allowance / Loans | 1.11% | 1.04% | 1.14% | 1.20% | 1.22% | 1.24% | 1.43% | 1.82% | +62 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 | 19.34% | 19.20% | 18.29% | 18.29% | 18.34% | 17.99% | 17.37% | 17.89% | -39 bps | |
| Equity / Assets | 12.56% | 12.87% | 12.67% | 12.31% | 12.27% | 12.42% | 12.27% | 12.48% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.61% | 66.25% | 71.84% | 68.91% | 67.84% | 71.12% | 72.52% | 71.35% | +244 bps | |
| Liquid Assets / Assets | 13.33% | 11.82% | 10.55% | 13.20% | 12.63% | 9.23% | 12.69% | 13.78% | +58 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |