Tyler, TX · Cert 30048
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Tyler, TX · Cert 30048
FDIC
Q4 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.22% | 0.09% | 0.10% | 0.07% | 0.45% | 0.75% | 0.09% | -2.42% | -249 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 2.71% | 2.69% | 2.66% | 2.68% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 78.53% | 79.03% | 90.04% | 165.31% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | 1.92% | 1.87% | 2.30% | 4.97% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.85% | -6.63% | -8.34% | -3.94% | -3.59% | -10.24% | -9.22% | -21.75% | -1,781 bps | |
| Loan Growth (YoY) | -9.42% | -10.53% | -8.38% | -4.50% | -5.34% | -7.99% | -12.26% | -19.46% | -1,496 bps | |
| Deposit Growth (YoY) | -8.42% | -6.37% | -4.62% | 0.05% | 4.98% | -3.60% | -5.76% | -11.45% | -1,150 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 | n/a | n/a | n/a | n/a | 2.12% | 1.18% | 0.82% | 0.66% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | 1.31% | 1.10% | 1.20% | 1.34% | n/a | |
| 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 | n/a | n/a | n/a | n/a | 16.46% | 17.59% | 17.51% | 14.59% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | 9.75% | 10.53% | 10.58% | 9.24% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 133.36% | 126.29% | 128.92% | 126.60% | 120.25% | 120.54% | 120.03% | 115.15% | -1,145 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 6.78% | 6.66% | 5.85% | 6.16% | +616 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |