Coleman, TX · Cert 3143
FDIC
Q3 2010
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.62% | 3.14% | 3.00% | 3.13% | 2.69% | 3.26% | 3.20% | 3.08% | -5 bps | |
| Return on Equity | 35.18% | 30.76% | 28.99% | 29.45% | 25.63% | 31.04% | 30.20% | 28.83% | -63 bps | |
| Net Interest Margin | 4.99% | 4.75% | 4.80% | 4.90% | 4.81% | 4.95% | 4.82% | 4.83% | -7 bps | |
| Efficiency Ratio | 42.85% | 45.85% | 48.09% | 46.90% | 44.88% | 45.18% | 45.96% | 47.18% | +28 bps | |
| Non-Interest Burden | 1.52% | 1.64% | 1.81% | 1.76% | 1.62% | 1.67% | 1.68% | 1.80% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.32% | 10.29% | 4.24% | 5.58% | 5.33% | 0.87% | 4.33% | 5.58% | -1 bps | |
| Loan Growth (YoY) | 4.46% | 10.02% | 1.20% | 1.96% | 1.09% | -2.76% | 2.92% | 1.44% | -51 bps | |
| Deposit Growth (YoY) | 2.34% | 11.06% | 3.68% | 4.35% | 5.35% | 0.29% | 4.23% | 6.21% | +186 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 | -0.07% | 0.00% | -0.02% | -0.01% | 0.89% | -0.03% | -0.35% | -0.23% | -22 bps | |
| Allowance / Loans | 1.27% | 1.27% | 1.35% | 1.33% | 0.97% | 1.02% | 1.18% | 1.18% | -15 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 | 11.02% | 11.82% | 11.80% | 12.89% | 11.47% | 12.76% | 12.84% | 13.63% | +75 bps | |
| Equity / Assets | 9.95% | 10.48% | 10.65% | 11.50% | 10.02% | 11.02% | 10.76% | 11.01% | -48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.41% | 102.78% | 101.25% | 103.45% | 101.15% | 99.66% | 99.98% | 98.81% | -464 bps | |
| Liquid Assets / Assets | 0.00% | 0.42% | 4.15% | 3.08% | 4.94% | 6.86% | 6.59% | 8.30% | +522 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |