Teague, TX · Cert 25222
FDIC
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 1.92% | 2.36% | -12.48% | 0.83% | 1.29% | 0.86% | 1.03% | +1,351 bps | |
| Return on Equity | 8.65% | 17.10% | 24.13% | -140.44% | 10.50% | 15.46% | 9.61% | 11.77% | +15,221 bps | |
| Net Interest Margin | 5.24% | 5.38% | 5.13% | 4.70% | 4.66% | 3.92% | 4.40% | 4.91% | +21 bps | |
| Efficiency Ratio | 53.11% | 35.60% | 30.40% | 33.53% | 46.69% | 50.36% | 54.28% | 46.68% | +1,315 bps | |
| Non-Interest Burden | 2.98% | 1.45% | 1.12% | 1.36% | 2.07% | 1.85% | 2.43% | 2.16% | +80 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 | -0.04% | 0.00% | 0.00% | 0.26% | 0.40% | 0.00% | 1.62% | 0.13% | -13 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 |