Belton, TX · Cert 3100
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.00% | 1.05% | -1.71% | 0.20% | -0.33% | -133 bps | |
| Return on Equity | 9.83% | 10.40% | -16.98% | 2.09% | -3.45% | -1,328 bps | |
| Net Interest Margin | 5.02% | 4.85% | 4.61% | 3.75% | 3.82% | -119 bps | |
| Efficiency Ratio | 73.38% | 72.63% | 83.56% | 92.00% | 99.50% | +2,612 bps | |
| Non-Interest Burden | 3.48% | 3.33% | 3.76% | 3.39% | 3.80% | +32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.75% | 4.44% | -3.85% | 9.14% | 0.89% | -286 bps | |
| Loan Growth (YoY) | 12.54% | 7.95% | 4.54% | 3.17% | -9.43% | -2,198 bps | |
| Deposit Growth (YoY) | 3.74% | 4.51% | -4.07% | 10.63% | 1.23% | -251 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.25% | 4.21% | 0.31% | 1.07% | +108 bps | |
| Allowance / Loans | 0.59% | 0.52% | 0.79% | 0.74% | 0.80% | +22 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 15.31% | 15.43% | 15.44% | 15.40% | 16.25% | +95 bps | |
| Equity / Assets | 9.96% | 10.32% | 9.81% | 9.32% | 9.60% | -36 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.72% | 76.14% | 73.51% | 70.47% | 65.95% | -777 bps | |
| Liquid Assets / Assets | 14.37% | 13.97% | 21.04% | 24.55% | 27.21% | +1,284 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |