Mineola, TX · Cert 3347
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 31, 2010, 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.
Mineola, TX · Cert 3347
FDIC
Q4 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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86%1 | 0.27%1 | 0.06%1 | 0.35%1 | 0.63%1 | 2.33% | 2.05% | 1.11%1 | +75 bps | |
| Return on Equity | 9.48% | 3.04% | 0.65% | 4.17% | 8.22% | 27.84% | 23.60% | 12.90% | +873 bps | |
| Net Interest Margin | 2.70% | 2.80% | 2.90% | 2.82% | 2.95% | 2.75% | 2.61% | 2.49% | -33 bps | |
| Efficiency Ratio | 104.15% | 107.55% | 107.48% | 107.03% | 106.32% | 72.75% | 84.65% | 97.61% | -943 bps | |
| Non-Interest Burden | 2.87% | 3.10% | 3.19% | 3.08% | 3.18% | 1.25% | 1.87% | 2.38% | -70 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.94% | 1.05% | 9.24% | 16.90% | 8.83% | 7.46% | -4.03% | -11.10% | -2,800 bps | |
| Loan Growth (YoY) | 2.91% | -1.84% | -2.67% | -6.72% | -2.55% | -4.88% | -9.78% | -2.52% | +420 bps | |
| Deposit Growth (YoY) | -3.30% | 1.82% | 10.21% | 19.46% | 12.97% | 5.92% | -3.07% | -11.47% | -3,093 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 | 0.00% | 0.00% | 0.28% | 0.24% | 0.00% | 0.00% | 0.00% | 0.05% | -19 bps | |
| Allowance / Loans | 1.18% | 1.27% | 1.12% | 1.12% | 1.21% | 1.33% | 1.17% | 1.15% | +3 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 | 22.58% | 22.69% | 21.41% | 21.18% | 21.87% | 25.44% | 27.52% | 29.04% | +787 bps | |
| Equity / Assets | 8.78% | 8.38% | 8.45% | 7.63% | 7.73% | 9.79% | 9.67% | 8.16% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 27.56% | 27.39% | 26.64% | 23.54% | 23.77% | 24.60% | 24.80% | 25.92% | +238 bps | |
| Liquid Assets / Assets | 0.04% | 0.06% | 0.05% | 0.04% | 0.05% | 0.04% | 0.05% | 0.04% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |