La Grange, TX · Cert 26424
FDIC
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.64% | -3.76% | -2.90% | -2.99% | -2.36% | -1.66% | -1.25% | -0.90% | +209 bps | |
| Return on Equity | -63.58% | -70.11% | -52.08% | -49.55% | -35.64% | -26.33% | -21.19% | -15.36% | +3,419 bps | |
| Net Interest Margin | 3.07% | 3.06% | 2.86% | 3.39% | 3.56% | 3.97% | 4.01% | 3.80% | +41 bps | |
| Efficiency Ratio | 175.42% | 220% | 192.99% | 182.14% | 163.36% | 139.74% | 129.18% | 122.18% | -5,996 bps | |
| Non-Interest Burden | 5.66% | 7.05% | 5.78% | 6.39% | 5.96% | 5.62% | 5.24% | 4.69% | -171 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.45% | 4.05% | 2.93% | 2.71% | -4.74% | 7.98% | 4.83% | -1.73% | -444 bps | |
| Loan Growth (YoY) | -14.52% | -18.83% | -10.13% | 2.21% | 33.96% | 56.34% | 26.15% | 18.04% | +1,583 bps | |
| Deposit Growth (YoY) | 16.98% | 7.17% | 5.54% | 1.25% | -8.43% | 7.13% | 4.80% | 0.68% | -57 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% | 0.37% | -0.05% | 0.07% | 0.00% | -0.02% | -0.02% | 0.00% | -7 bps | |
| Allowance / Loans | 0.87% | 0.88% | 0.81% | 0.73% | 0.59% | 0.56% | 0.65% | 0.64% | -9 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 | 11.25% | 12.87% | 10.22% | 12.15% | 11.23% | 9.81% | 9.34% | 8.94% | -321 bps | |
| Equity / Assets | 5.09% | 5.65% | 5.50% | 6.53% | 6.71% | 5.92% | 5.86% | 5.80% | -73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.85% | 60.39% | 67.23% | 72.41% | 90.48% | 88.13% | 80.93% | 84.90% | +1,249 bps | |
| Liquid Assets / Assets | 28.43% | 38.71% | 6.95% | 19.74% | 17.44% | 18.19% | 15.09% | 16.84% | -290 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |