Orange, TX · Cert 30696
FDIC
Q1 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.33% | 1.09% | 1.58% | 1.67% | 1.50% | 1.62% | 2.07% | +48 bps | |
| Return on Equity | 11.59% | 12.55% | 10.54% | 15.45% | 16.45% | 14.58% | 15.69% | 19.93% | +448 bps | |
| Net Interest Margin | 4.00% | 3.91% | 3.96% | 3.90% | 3.93% | 4.05% | 4.00% | 4.03% | +13 bps | |
| Efficiency Ratio | 66.72% | 66.64% | 73.60% | 63.45% | 60.65% | 63.47% | 60.56% | 57.14% | -631 bps | |
| Non-Interest Burden | 2.59% | 2.41% | 2.82% | 2.21% | 2.06% | 2.34% | 2.16% | 1.99% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.72% | 8.43% | 5.09% | 8.18% | 10.72% | 5.38% | 10.41% | 5.84% | -234 bps | |
| Loan Growth (YoY) | 7.44% | 3.43% | 2.86% | 5.46% | 14.21% | 16.98% | 21.48% | 20.97% | +1,550 bps | |
| Deposit Growth (YoY) | 3.38% | 9.10% | 6.42% | 11.28% | 14.08% | 7.60% | 9.44% | 4.65% | -662 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 | 0.03% | -0.03% | 0.06% | 0.02% | 0.02% | 0.09% | 0.23% | 0.03% | +1 bps | |
| Allowance / Loans | 1.01% | 1.06% | 1.06% | 1.08% | 1.07% | 1.08% | 1.02% | 1.01% | -7 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 | 17.81% | 17.45% | 16.86% | 16.94% | 16.07% | 15.93% | 15.26% | 15.53% | -141 bps | |
| Equity / Assets | 10.86% | 10.42% | 10.33% | 10.18% | 10.16% | 10.45% | 10.24% | 10.49% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.58% | 67.90% | 69.94% | 67.75% | 71.66% | 73.82% | 77.63% | 78.32% | +1,056 bps | |
| Liquid Assets / Assets | 4.97% | 7.51% | 4.78% | 8.17% | 5.74% | 5.81% | 3.89% | 3.68% | -449 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |