Teague, TX · Cert 25222
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Teague, TX · Cert 25222
FDIC
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.35% | 1.92% | 2.21% | -3.12% | -2.06% | 1.29% | 1.07% | 1.04% | +416 bps | |
| Return on Equity | 9.51% | 17.10% | 20.63% | -31.34% | -21.70% | 15.46% | 12.46% | 12.19% | +4,353 bps | |
| Net Interest Margin | 4.55% | 5.38% | 4.69% | 4.70% | 4.60% | 3.92% | 4.19% | 4.39% | -32 bps | |
| Efficiency Ratio | 54.13% | 35.60% | 32.77% | 33.02% | 36.32% | 50.36% | 52.34% | 50.18% | +1,716 bps | |
| Non-Interest Burden | 2.38% | 1.45% | 1.13% | 1.21% | 1.40% | 1.85% | 2.16% | 2.13% | +92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.13% | 64.14% | 66.57% | 68.53% | 48.86% | -5.23% | -5.06% | 8.02% | -6,052 bps | |
| Loan Growth (YoY) | 8.08% | 62.82% | 69.40% | 69.46% | 49.52% | -1.31% | -5.92% | -7.94% | -7,740 bps | |
| Deposit Growth (YoY) | 0.73% | -5.34% | 11.30% | 25.68% | 63.23% | 46.06% | 27.08% | 41.18% | +1,550 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 | 0.00% | 0.00% | 0.00% | 0.08% | 0.16% | 0.00% | 0.81% | 0.59% | +51 bps | |
| Allowance / Loans | 1.02% | 0.89% | 1.01% | 1.27% | 1.19% | 1.21% | 1.03% | 1.28% | 0 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 | 16.33% | 11.15% | 12.04% | 10.30% | 10.52% | 11.15% | 11.43% | 10.54% | +24 bps | |
| Equity / Assets | 13.42% | 9.65% | 9.89% | 7.87% | 7.91% | 8.87% | 8.95% | 8.51% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 117.20% | 178.35% | 150.47% | 138.79% | 107.35% | 120.51% | 111.40% | 90.50% | -4,829 bps | |
| Liquid Assets / Assets | 0.06% | 0.05% | 0.13% | 0.02% | 0.03% | 0.03% | 0.05% | 0.28% | +27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |