Mineola, TX · Cert 3347
FDIC
Q4 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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 | -0.31% | -0.35% | 1.18%1 | 0.63%1 | 4.05% | 1.46%1 | -1.91% | -308 bps | |
| Return on Equity | 9.48% | -3.65% | -4.11% | 14.63% | 8.22% | 46.36% | 14.98% | -21.37% | -3,600 bps | |
| Net Interest Margin | 2.70% | 2.99% | 3.14% | 3.02% | 2.95% | 2.51% | 2.12% | 1.97% | -105 bps | |
| Efficiency Ratio | 104.15% | 111.24% | 107.33% | 105.78% | 106.32% | 55.64% | 130.73% | 169.27% | +6,349 bps | |
| Non-Interest Burden | 2.87% | 3.41% | 3.42% | 3.24% | 3.18% | -0.73% | 3.03% | 3.81% | +56 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% | 0.85% | 0.06% | 0.00% | 0.00% | 0.00% | 0.18% | +12 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 |