Canadian, TX · Cert 3128
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Canadian, TX · Cert 3128
FDIC
Q3 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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.53% | 1.71% | 1.25% | 0.14% | 0.49% | 2.07% | 1.80% | 1.89% | +176 bps | |
| Return on Equity | 20.36% | 25.02% | 18.70% | 2.01% | 7.06% | 27.89% | 23.03% | 23.62% | +2,161 bps | |
| Net Interest Margin | 3.14% | 3.28% | 3.09% | 3.22% | 3.09% | 3.68% | 3.62% | 3.63% | +41 bps | |
| Efficiency Ratio | 58.20% | 50.11% | 56.50% | 53.90% | 53.62% | 41.40% | 46.05% | 49.24% | -467 bps | |
| Non-Interest Burden | 1.72% | 1.57% | 1.78% | 1.80% | 1.69% | 1.41% | 1.57% | 1.58% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.43% | 24.73% | 29.40% | 25.83% | 22.43% | 12.99% | 2.06% | 0.30% | -2,553 bps | |
| Loan Growth (YoY) | 2.26% | 3.69% | 3.24% | -3.06% | 0.95% | 7.91% | 3.87% | 8.58% | +1,164 bps | |
| Deposit Growth (YoY) | 17.81% | 25.69% | 31.61% | 27.02% | 22.18% | 11.98% | -0.46% | -0.94% | -2,796 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 | 0.02% | -0.02% | -0.01% | 0.02% | 0.00% | 0.00% | -0.01% | 0.01% | -1 bps | |
| Allowance / Loans | 1.87% | 1.92% | 1.81% | 1.87% | 1.86% | 1.78% | 1.74% | 1.04% | -83 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 | 18.99% | 18.87% | 16.25% | 22.52% | 21.83% | 20.70% | 21.09% | 20.30% | -222 bps | |
| Equity / Assets | 6.82% | 6.83% | 6.40% | 7.50% | 7.10% | 7.72% | 8.68% | 8.69% | +119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 28.46% | 25.94% | 26.92% | 26.38% | 23.52% | 25.00% | 28.09% | 28.92% | +254 bps | |
| Liquid Assets / Assets | 36.57% | 35.12% | 34.03% | 41.04% | 35.82% | 36.29% | 40.49% | 39.99% | -105 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |