Round Mountain, TX · Cert 26688
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Round Mountain, TX · Cert 26688
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 | 0.01% | -0.55% | -0.11% | -0.01% | -0.09% | 0.23% | 0.09% | -0.15% | -14 bps | |
| Return on Equity | 0.10% | -6.83% | -1.42% | -0.06% | -1.19% | 3.14% | 1.28% | -2.01% | -194 bps | |
| Net Interest Margin | 3.45% | 3.11% | 3.16% | 3.06% | 2.97% | 2.90% | 2.84% | 2.98% | -8 bps | |
| Efficiency Ratio | 96.99% | 116.99% | 108.71% | 103.51% | 105.46% | 91.40% | 96.93% | 107.18% | +367 bps | |
| Non-Interest Burden | 3.32% | 3.80% | 3.52% | 3.20% | 3.18% | 2.58% | 2.72% | 3.23% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.91% | -0.78% | 1.22% | 6.30% | 9.23% | 9.86% | 4.37% | 0.51% | -579 bps | |
| Loan Growth (YoY) | -10.12% | -15.02% | -15.27% | -14.22% | -6.51% | -0.81% | 3.32% | 4.82% | +1,904 bps | |
| Deposit Growth (YoY) | 2.94% | -0.92% | 1.46% | 6.95% | 10.27% | 10.89% | 5.05% | 1.04% | -590 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 | 0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0.85% | 0.41% | 0.27% | +27 bps | |
| Allowance / Loans | 1.73% | 1.95% | 1.73% | 1.76% | 1.71% | 1.54% | 1.48% | 1.48% | -28 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 | 12.98% | 13.55% | 13.83% | 14.42% | 14.82% | 14.72% | 14.21% | 14.25% | -18 bps | |
| Equity / Assets | 8.20% | 8.02% | 8.03% | 7.74% | 7.42% | 7.15% | 7.44% | 7.29% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.88% | 62.02% | 61.77% | 58.04% | 57.56% | 55.48% | 60.76% | 60.21% | +217 bps | |
| Liquid Assets / Assets | 27.75% | 34.38% | 34.00% | 38.23% | 37.16% | 41.01% | 36.47% | 37.33% | -89 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |