Olney, TX · Cert 26920
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 3.07% | 2.85% | 3.23% | 2.51% | 3.10% | 2.74% | 2.54% | -69 bps | |
| Return on Equity | 11.61% | 29.69% | 25.56% | 29.07% | 23.99% | 29.28% | 25.56% | 24.04% | -502 bps | |
| Net Interest Margin | 4.39% | 4.54% | 4.72% | 4.74% | 4.97% | 4.83% | 4.48% | 4.20% | -53 bps | |
| Efficiency Ratio | 37.11% | 40.17% | 45.07% | 40.90% | 40.35% | 42.08% | 45.28% | 47.69% | +679 bps | |
| Non-Interest Burden | 1.33% | 1.51% | 1.84% | 1.54% | 1.71% | 1.73% | 1.71% | 1.66% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.57% | 3.60% | -4.48% | 4.74% | -1.89% | 1.33% | 8.26% | -3.46% | -820 bps | |
| Loan Growth (YoY) | 8.03% | 5.22% | 8.00% | 5.43% | -7.30% | 0.14% | -1.53% | -8.66% | -1,409 bps | |
| Deposit Growth (YoY) | -2.09% | 3.44% | -5.73% | -10.67% | -2.20% | 1.15% | 9.50% | 12.21% | +2,288 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% | 0.00% | 0.00% | 0.00% | 1.27% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.97% | 1.07% | 1.13% | 1.02% | 0.93% | 0.94% | 1.01% | 0.98% | -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 | 11.20% | 13.31% | 13.51% | 12.97% | 12.21% | 13.21% | 13.52% | 13.81% | +84 bps | |
| Equity / Assets | 9.65% | 11.07% | 11.22% | 11.00% | 9.96% | 11.26% | 10.23% | 10.90% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.22% | 107.68% | 105.96% | 124.01% | 101.62% | 106.60% | 95.29% | 100.94% | -2,306 bps | |
| Liquid Assets / Assets | 0.03% | 0.57% | 0.01% | 0.05% | 3.81% | 0.71% | 10.31% | 6.50% | +645 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |