Bridgeport, TX · Cert 3114
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 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.
Bridgeport, TX · Cert 3114
FDIC
Q3 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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.68% | 1.39% | 1.36% | 1.47% | 1.45% | 1.08% | 1.21% | 1.30% | -17 bps | |
| Return on Equity | 11.87% | 10.51% | 10.44% | 11.37% | 11.17% | 8.45% | 9.51% | 10.26% | -111 bps | |
| Net Interest Margin | 3.97% | 4.24% | 4.18% | 4.12% | 4.08% | 4.19% | 4.12% | 4.10% | -2 bps | |
| Efficiency Ratio | 60.30% | 58.65% | 59.04% | 56.44% | 57.52% | 67.58% | 65.08% | 62.73% | +629 bps | |
| Non-Interest Burden | 2.10% | 2.07% | 2.10% | 1.85% | 1.93% | 2.54% | 2.38% | 2.24% | +40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.27% | 15.84% | 15.54% | 16.46% | 9.92% | 7.28% | 6.15% | 1.99% | -1,446 bps | |
| Loan Growth (YoY) | 2.63% | 10.68% | 23.17% | 25.77% | 18.08% | 16.40% | 13.67% | 11.96% | -1,381 bps | |
| Deposit Growth (YoY) | 12.66% | 19.19% | 18.17% | 19.10% | 13.29% | 7.32% | 5.11% | 2.82% | -1,628 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 | 0.23% | -0.21% | 0.04% | 0.21% | 0.14% | 0.68% | 0.35% | 0.43% | +23 bps | |
| Allowance / Loans | 2.65% | 2.62% | 2.48% | 2.41% | 2.44% | 2.20% | 2.11% | 1.93% | -47 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 | 16.45% | 15.62% | 15.32% | 15.02% | 15.33% | 14.63% | 14.38% | 14.41% | -61 bps | |
| Equity / Assets | 13.47% | 12.97% | 12.71% | 12.58% | 13.01% | 12.63% | 12.42% | 12.55% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.25% | 68.21% | 69.62% | 70.14% | 71.14% | 73.98% | 75.29% | 76.38% | +624 bps | |
| Liquid Assets / Assets | 5.08% | 5.58% | 6.10% | 6.61% | 5.65% | 2.01% | 3.43% | 0.84% | -576 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |