La Coste, TX · Cert 3287
FDIC
Q4 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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.71% | 0.95% | 0.84% | 0.68% | 0.55% | 0.52% | 0.45% | -39 bps | |
| Return on Equity | 6.24% | 5.71% | 7.84% | 7.09% | 6.61% | 5.52% | 5.42% | 4.94% | -215 bps | |
| Net Interest Margin | 3.67% | 3.13% | 3.33% | 3.15% | 3.00% | 2.81% | 2.53% | 2.32% | -83 bps | |
| Efficiency Ratio | 77.42% | 76.58% | 73.76% | 74.40% | 77.57% | 78.60% | 79.00% | 81.26% | +686 bps | |
| Non-Interest Burden | 2.66% | 2.23% | 2.26% | 2.17% | 2.18% | 2.08% | 1.89% | 1.80% | -37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.47% | 12.55% | 18.09% | 23.32% | 37.18% | 25.76% | 44.13% | 35.58% | +1,226 bps | |
| Loan Growth (YoY) | 96.64% | 78.50% | 114.40% | 47.28% | 26.34% | 15.99% | 0.39% | 5.09% | -4,219 bps | |
| Deposit Growth (YoY) | 0.76% | 13.21% | 19.67% | 25.53% | 41.86% | 28.54% | 48.91% | 39.62% | +1,409 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 | 0.29% | 0.53% | 0.21% | 0.22% | 0.17% | 0.09% | 0.09% | 0.13% | -9 bps | |
| Allowance / Loans | 0.79% | 0.81% | 0.72% | 0.79% | 0.84% | 0.92% | 0.85% | 0.84% | +4 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 | 28.17% | 25.44% | 23.46% | 23.88% | 23.50% | 22.71% | 19.63% | 20.80% | -308 bps | |
| Equity / Assets | 13.41% | 11.60% | 11.35% | 10.53% | 10.05% | 9.57% | 8.23% | 7.84% | -269 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.79% | 57.39% | 68.32% | 61.31% | 55.92% | 51.78% | 46.06% | 46.15% | -1,516 bps | |
| Liquid Assets / Assets | 13.53% | 11.94% | 12.90% | 11.81% | 10.84% | 10.65% | 8.48% | 8.26% | -356 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |