New Braunfels, TX · Cert 2413
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 | 1.45% | 1.51% | 1.57% | 1.63% | 1.66% | 1.47% | 1.45% | 1.01% | -62 bps | |
| Return on Equity | 14.81% | 15.73% | 15.97% | 16.21% | 16.28% | 13.63% | 13.20% | 9.62% | -659 bps | |
| Net Interest Margin | 4.19% | 4.39% | 4.56% | 4.54% | 4.46% | 4.41% | 4.46% | 4.50% | -5 bps | |
| Efficiency Ratio | 64.06% | 63.15% | 62.76% | 62.33% | 61.77% | 63.88% | 64.51% | 74.09% | +1,176 bps | |
| Non-Interest Burden | 2.49% | 2.59% | 2.68% | 2.63% | 2.55% | 2.66% | 2.73% | 3.21% | +58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.75% | 5.53% | 2.05% | 2.57% | -3.44% | 1.00% | 0.30% | -8.10% | -1,067 bps | |
| Loan Growth (YoY) | 4.87% | 1.91% | 2.35% | -0.19% | -3.00% | -3.55% | -4.56% | -5.85% | -566 bps | |
| Deposit Growth (YoY) | 16.62% | 8.01% | 3.19% | 3.67% | -3.02% | -0.03% | -0.23% | -3.62% | -728 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 | 0.24% | 0.00% | 0.01% | 0.26% | 0.20% | -0.02% | 0.00% | 0.03% | -23 bps | |
| Allowance / Loans | 1.11% | 1.20% | 1.28% | 1.18% | 1.30% | 1.41% | 1.51% | 1.61% | +43 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 | 13.16% | 13.65% | 13.99% | 14.19% | 14.81% | 15.37% | 15.90% | 11.78% | -241 bps | |
| Equity / Assets | 9.25% | 9.99% | 10.37% | 10.60% | 10.67% | 10.93% | 11.32% | 8.73% | -188 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.72% | 87.58% | 89.04% | 87.52% | 84.74% | 84.49% | 85.18% | 85.49% | -203 bps | |
| Liquid Assets / Assets | 9.22% | 10.16% | 8.97% | 10.55% | 13.83% | 14.41% | 14.20% | 9.38% | -118 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |