Round Mountain, TX · Cert 26688
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | -0.55% | 0.32% | 0.21% | -0.35% | 0.23% | -0.04% | -0.64% | -85 bps | |
| Return on Equity | 1.22% | -6.83% | 4.01% | 2.63% | -4.56% | 3.14% | -0.60% | -8.71% | -1,133 bps | |
| Net Interest Margin | 3.60% | 3.11% | 3.25% | 3.01% | 3.04% | 2.90% | 2.83% | 3.02% | +1 bps | |
| Efficiency Ratio | 96.11% | 116.99% | 100.86% | 92.94% | 111.18% | 91.40% | 102.43% | 134.00% | +4,106 bps | |
| Non-Interest Burden | 3.42% | 3.80% | 3.29% | 2.73% | 3.48% | 2.58% | 2.92% | 4.02% | +129 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 | 0.00% | -0.01% | 0.00% | 0.00% | 0.01% | 0.85% | 0.00% | 0.00% | 0 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 |