Austin, TX · Cert 26870
FDIC
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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.
Austin, TX · Cert 26870
FDIC
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.72% | 0.75% | 0.47% | -0.98% | -2.46% | -4.79% | -9.17% | -965 bps | |
| Return on Equity | 4.94% | 6.95% | 6.99% | 4.35% | -9.14% | -25.91% | -53.91% | -120.10% | -12,444 bps | |
| Net Interest Margin | 1.90% | 1.90% | 2.04% | 1.90% | 1.84% | 1.43% | 1.25% | 1.17% | -73 bps | |
| Efficiency Ratio | 60.13% | 52.07% | 51.51% | 56.96% | 64.30% | 100.48% | 109.91% | 211% | +15,440 bps | |
| Non-Interest Burden | 1.11% | 0.79% | 0.84% | 0.97% | 2.28% | 3.07% | 4.64% | 5.21% | +423 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.86% | 1.76% | 8.77% | 10.85% | 3.06% | 22.16% | 0.62% | -11.18% | -2,204 bps | |
| Loan Growth (YoY) | 22.25% | 0.28% | -1.83% | -4.20% | -12.58% | -1.63% | -10.86% | -16.50% | -1,230 bps | |
| Deposit Growth (YoY) | 23.62% | 7.73% | 11.33% | 12.74% | 12.13% | 38.01% | 31.98% | 27.23% | +1,449 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 | 0.12% | 0.03% | 0.10% | 0.14% | 0.29% | 0.54% | 3.06% | 4.57% | +443 bps | |
| Allowance / Loans | 0.25% | 0.30% | 0.37% | 0.53% | 1.33% | 1.76% | 1.64% | 4.11% | +357 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 | 10.15% | 11.17% | 10.65% | 10.44% | 10.90% | 10.62% | 10.16% | 5.11% | -533 bps | |
| Equity / Assets | 9.63% | 11.14% | 11.61% | 11.24% | 10.01% | 8.98% | 7.62% | 3.44% | -779 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 177.04% | 167.19% | 150.62% | 146.05% | 138.03% | 119.18% | 101.73% | 95.85% | -5,020 bps | |
| Liquid Assets / Assets | 0.76% | 0.77% | 4.92% | 5.70% | 8.20% | 6.52% | 10.80% | 14.26% | +857 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |