La Grange, TX · Cert 26424
FDIC
Q2 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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.74% | -3.03% | -2.90% | -2.93% | -2.75% | -2.46% | -1.25% | -1.07% | +186 bps | |
| Return on Equity | -41.59% | -47.31% | -52.08% | -49.71% | -44.98% | -40.49% | -21.19% | -18.32% | +3,140 bps | |
| Net Interest Margin | 3.11% | 3.12% | 2.86% | 3.11% | 3.25% | 3.32% | 4.01% | 3.93% | +82 bps | |
| Efficiency Ratio | 168.11% | 180.72% | 192.99% | 187.12% | 178.57% | 167.18% | 129.18% | 125.81% | -6,132 bps | |
| Non-Interest Burden | 5.43% | 5.88% | 5.78% | 6.05% | 6.01% | 5.71% | 5.24% | 5.00% | -105 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 | 0.06% | 0.14% | -0.05% | 0.01% | 0.01% | 0.00% | -0.02% | -0.01% | -2 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 |