Weatherford, TX · Cert 25273
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 | 1.56% | 1.44% | 1.40% | 1.47% | 1.51% | 1.51% | 1.51% | 1.58% | +12 bps | |
| Return on Equity | 15.72% | 15.35% | 14.65% | 14.96% | 15.28% | 14.92% | 14.78% | 15.27% | +31 bps | |
| Net Interest Margin | 3.95% | 3.91% | 3.99% | 4.02% | 3.96% | 3.82% | 3.78% | 3.79% | -23 bps | |
| Efficiency Ratio | 55.49% | 53.68% | 55.52% | 56.17% | 56.06% | 57.79% | 58.03% | 57.77% | +160 bps | |
| Non-Interest Burden | 1.56% | 1.43% | 1.66% | 1.70% | 1.67% | 1.68% | 1.73% | 1.70% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.86% | 12.52% | 9.74% | 9.01% | 10.19% | -0.43% | 4.73% | 3.73% | -528 bps | |
| Loan Growth (YoY) | 4.80% | 0.25% | 0.43% | -0.58% | -1.05% | 4.46% | 4.86% | 12.75% | +1,334 bps | |
| Deposit Growth (YoY) | 2.39% | 15.48% | 11.10% | 9.09% | 8.17% | -3.20% | 2.33% | 0.86% | -824 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 | 0.43% | 1.82% | 1.59% | 1.19% | 0.89% | 0.33% | 0.31% | 0.03% | -115 bps | |
| Allowance / Loans | 2.75% | 2.74% | 2.60% | 2.68% | 2.54% | 2.46% | 2.39% | 2.40% | -29 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 | 16.39% | 16.52% | 16.49% | 16.56% | 16.09% | 16.27% | 16.04% | 16.43% | -13 bps | |
| Equity / Assets | 9.63% | 9.12% | 10.00% | 10.49% | 10.03% | 10.26% | 10.43% | 10.74% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.48% | 44.22% | 46.91% | 46.02% | 45.27% | 47.72% | 48.07% | 51.44% | +543 bps | |
| Liquid Assets / Assets | 3.96% | 5.95% | 2.98% | 2.48% | 5.09% | 2.64% | 2.81% | 1.98% | -51 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |