Mineral Wells, TX · Cert 26929
FDIC
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 2013, 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.
Mineral Wells, TX · Cert 26929
FDIC
Q2 2013
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.26% | 2.08% | 1.72% | 1.70% | 1.44% | 0.98% | 1.02% | -69 bps | |
| Return on Equity | 11.32% | 11.43% | 19.30% | 16.14% | 16.12% | 13.80% | 9.69% | 10.14% | -600 bps | |
| Net Interest Margin | 3.64% | 3.64% | 3.60% | 3.32% | 3.16% | 3.16% | 2.90% | 2.83% | -49 bps | |
| Efficiency Ratio | 71.81% | 71.74% | 62.15% | 64.82% | 64.30% | 67.79% | 71.49% | 69.39% | +457 bps | |
| Non-Interest Burden | 2.35% | 2.36% | 1.56% | 1.67% | 1.56% | 1.77% | 1.91% | 1.81% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 36.17% | 29.43% | 16.42% | 15.26% | 13.67% | 16.88% | 9.72% | 4.40% | -1,086 bps | |
| Loan Growth (YoY) | 39.74% | 44.65% | 5.32% | -4.43% | -9.27% | -7.16% | -8.30% | -5.91% | -148 bps | |
| Deposit Growth (YoY) | 38.75% | 31.04% | 17.18% | 15.93% | 14.46% | 18.09% | 10.32% | 4.90% | -1,104 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 | 0.11% | 0.12% | 0.09% | 0.06% | 0.04% | 0.03% | 0.03% | 0.03% | -3 bps | |
| Allowance / Loans | 1.07% | 1.05% | 1.06% | 1.09% | 1.13% | 1.11% | 1.15% | 1.15% | +6 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 | 16.72% | 16.73% | 18.35% | 19.45% | 20.78% | 21.01% | 22.26% | 22.03% | +258 bps | |
| Equity / Assets | 10.71% | 11.05% | 10.51% | 10.37% | 10.23% | 10.23% | 10.05% | 9.98% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.92% | 69.80% | 62.36% | 58.25% | 54.64% | 54.87% | 51.83% | 52.24% | -600 bps | |
| Liquid Assets / Assets | 20.01% | 16.65% | 24.49% | 27.66% | 33.13% | 30.15% | 36.25% | 36.26% | +860 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |