Jacksboro, TX · Cert 3274
FDIC
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 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.
Jacksboro, TX · Cert 3274
FDIC
Q1 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 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.92% | -2.56% | -1.85% | 0.15% | 0.26% | 0.34% | 0.37% | -0.02% | -17 bps | |
| Return on Equity | -31.67% | -19.43% | -13.78% | 1.01% | 1.77% | 2.33% | 2.54% | -0.15% | -116 bps | |
| Net Interest Margin | 3.07% | 2.96% | 2.90% | 2.66% | 2.86% | 2.85% | 2.78% | 2.95% | +28 bps | |
| Efficiency Ratio | 712% | 223% | 164.26% | 90.23% | 87.33% | 83.84% | 82.23% | 85.38% | -485 bps | |
| Non-Interest Burden | 5.87% | 4.76% | 4.17% | 2.51% | 2.60% | 2.47% | 2.35% | 2.59% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.36% | -3.34% | 4.51% | 7.73% | 6.40% | 14.60% | 7.62% | 8.26% | +53 bps | |
| Loan Growth (YoY) | -13.71% | -11.91% | -2.76% | 1.30% | 10.63% | 16.46% | 12.81% | 6.99% | +569 bps | |
| Deposit Growth (YoY) | -6.11% | -9.00% | -0.11% | 4.70% | 8.63% | 18.34% | 9.14% | 9.44% | +474 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 | 1.54% | 1.07% | 0.92% | 0.21% | 0.20% | 0.20% | 0.16% | 1.15% | +94 bps | |
| Allowance / Loans | 1.97% | 1.92% | 1.68% | 1.56% | 1.50% | 1.42% | 1.46% | 1.19% | -37 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 | 21.82% | 20.96% | 20.05% | 19.29% | 19.45% | 18.41% | 18.67% | 18.83% | -46 bps | |
| Equity / Assets | 15.54% | 15.60% | 14.36% | 14.78% | 14.91% | 14.01% | 13.90% | 14.26% | -53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.37% | 78.99% | 75.58% | 80.20% | 79.81% | 77.74% | 78.12% | 78.41% | -180 bps | |
| Liquid Assets / Assets | 14.91% | 13.30% | 19.59% | 14.30% | 13.62% | 15.56% | 16.05% | 18.39% | +409 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |