Crockett, TX · Cert 3157
FDIC
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.38% | 1.21% | 1.75% | -3.69% | 0.47% | 0.51% | 0.23% | 0.51% | +420 bps | |
| Return on Equity | 16.47% | 14.42% | 20.35% | -25.26% | 2.34% | 2.60% | 1.19% | 2.82% | +2,808 bps | |
| Net Interest Margin | 4.59% | 4.56% | 4.74% | -12.48% | 3.71% | 3.45% | 3.24% | 3.26% | +1,574 bps | |
| Efficiency Ratio | 70.47% | 72.21% | 68.53% | 67.08% | 76.94% | 30.75% | 83.62% | 76.76% | +969 bps | |
| Non-Interest Burden | 2.95% | 3.07% | 2.96% | -8.12% | 2.69% | 1.10% | 2.64% | 2.66% | +1,078 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.69% | 5.83% | 4.07% | 15.46% | 11.28% | 20.78% | 24.01% | 15.88% | +41 bps | |
| Loan Growth (YoY) | 5.32% | 5.79% | 8.90% | -0.30% | 6.76% | 12.93% | 14.65% | 20.56% | +2,086 bps | |
| Deposit Growth (YoY) | 15.11% | 7.45% | 4.41% | 0.71% | -2.80% | 7.05% | 11.40% | 21.20% | +2,049 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 | -0.01% | 0.10% | 0.04% | -0.11% | 0.10% | -0.08% | 1.51% | -0.74% | -63 bps | |
| Allowance / Loans | 1.04% | 1.08% | 1.05% | 1.09% | 1.12% | 1.47% | 1.11% | 1.33% | +24 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 | 12.10% | 12.38% | 12.00% | 11.87% | 11.76% | 11.46% | 11.77% | 12.17% | +30 bps | |
| Equity / Assets | 8.19% | 8.66% | 8.51% | 19.97% | 20.00% | 19.38% | 18.79% | 17.30% | -267 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.48% | 85.13% | 86.59% | 82.49% | 86.19% | 89.80% | 89.12% | 82.06% | -43 bps | |
| Liquid Assets / Assets | 0.06% | 0.06% | 0.06% | 0.05% | 0.05% | 0.01% | 0.03% | 9.97% | +992 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |