Belton, TX · Cert 3100
FDIC
Q2 2009
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.54% | 1.56% | 1.26% | 1.12% | 1.10% | 0.40% | 0.20% | -0.06% | -118 bps | |
| Return on Equity | 15.15% | 15.59% | 12.56% | 11.21% | 10.93% | 4.01% | 2.09% | -0.68% | -1,189 bps | |
| Net Interest Margin | 5.32% | 5.49% | 5.07% | 5.15% | 4.95% | 4.88% | 3.75% | 3.87% | -128 bps | |
| Efficiency Ratio | 62.75% | 64.12% | 66.80% | 70.03% | 70.88% | 73.82% | 92.00% | 95.71% | +2,568 bps | |
| Non-Interest Burden | 3.06% | 3.25% | 3.15% | 3.38% | 3.30% | 3.43% | 3.39% | 3.67% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.99% | 11.87% | 2.97% | 3.75% | 4.44% | -3.85% | 9.14% | 0.89% | -286 bps | |
| Loan Growth (YoY) | 6.41% | 10.37% | 9.23% | 12.54% | 7.95% | 4.54% | 3.17% | -9.43% | -2,198 bps | |
| Deposit Growth (YoY) | -1.73% | 12.60% | 2.61% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.07% | 0.09% | 0.04% | 0.11% | 1.14% | 0.31% | 0.71% | +67 bps | |
| Allowance / Loans | 0.84% | 0.57% | 0.57% | 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 | 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 | 16.16% | 15.50% | 15.75% | 15.31% | 15.43% | 15.44% | 15.40% | 16.25% | +95 bps | |
| Equity / Assets | 10.40% | 9.60% | 10.42% | 9.96% | 10.32% | 9.81% | 9.32% | 9.60% | -36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.72% | 67.45% | 75.56% | 73.72% | 76.14% | 73.51% | 70.47% | 65.95% | -777 bps | |
| Liquid Assets / Assets | 21.77% | 18.26% | 16.51% | 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 | n/a | n/a | n/a |