Devine, TX · Cert 26905
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Devine, TX · Cert 26905
FDIC
Q3 2011
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 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.62% | -0.28% | -1.94% | -2.41% | -2.20% | -2.04% | -1.39% | -4.94% | -253 bps | |
| Return on Equity | -6.09% | -2.71% | -19.24% | -24.17% | -22.29% | -21.99% | -15.22% | -58.47% | -3,430 bps | |
| Net Interest Margin | 3.63% | 3.64% | 3.37% | 3.51% | 3.67% | 3.39% | 3.38% | 3.36% | -16 bps | |
| Efficiency Ratio | 110.64% | 103.46% | 117.57% | 138.38% | 137.14% | 120.93% | 118.23% | 196.96% | +5,858 bps | |
| Non-Interest Burden | 4.14% | 3.80% | 4.14% | 5.19% | 5.39% | 4.39% | 4.26% | 7.85% | +266 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.64% | -3.78% | -9.83% | -16.64% | -12.79% | -15.24% | -9.66% | -9.52% | +711 bps | |
| Loan Growth (YoY) | 7.17% | -1.22% | -21.80% | -30.27% | -28.93% | -30.36% | -18.14% | -12.00% | +1,826 bps | |
| Deposit Growth (YoY) | -8.75% | -4.27% | -10.87% | -8.45% | -2.84% | -5.30% | 1.56% | -8.46% | -1 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 | 0.33% | -0.05% | 0.10% | 1.67% | 1.34% | 2.26% | 1.46% | 1.04% | -63 bps | |
| Allowance / Loans | 1.24% | 1.35% | 2.52% | 1.74% | 1.75% | 1.78% | 1.66% | 1.79% | +4 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 | 13.67% | 14.32% | 15.29% | 15.42% | 15.27% | 14.81% | 14.65% | 10.54% | -489 bps | |
| Equity / Assets | 10.34% | 10.22% | 9.72% | 9.60% | 9.44% | 9.15% | 8.78% | 6.29% | -331 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.43% | 87.98% | 76.73% | 67.39% | 67.60% | 64.70% | 61.85% | 64.78% | -261 bps | |
| Liquid Assets / Assets | 7.93% | 11.04% | 22.54% | 22.92% | 19.65% | 20.87% | 22.84% | 18.72% | -420 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |