Mineral Wells, TX · Cert 3348
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 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.
Mineral Wells, TX · Cert 3348
FDIC
Q3 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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.10% | 1.80% | 1.99% | 2.03% | 2.03% | 2.19% | 2.12% | 2.10% | +7 bps | |
| Return on Equity | 17.67% | 16.83% | 18.48% | 18.53% | 18.27% | 18.96% | 18.17% | 17.82% | -71 bps | |
| Net Interest Margin | 4.62% | 4.69% | 4.68% | 4.72% | 4.73% | 4.42% | 4.42% | 4.28% | -43 bps | |
| Efficiency Ratio | 41.70% | 44.57% | 42.14% | 43.32% | 43.27% | 40.06% | 40.33% | 41.23% | -210 bps | |
| Non-Interest Burden | 1.43% | 1.74% | 1.57% | 1.61% | 1.61% | 1.34% | 1.35% | 1.34% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.79% | 14.76% | 15.57% | 6.30% | 4.13% | 8.10% | 3.30% | 6.35% | +5 bps | |
| Loan Growth (YoY) | 11.89% | 12.13% | 7.31% | 2.34% | -2.64% | -1.81% | -2.25% | 4.65% | +231 bps | |
| Deposit Growth (YoY) | 17.08% | 17.13% | 15.74% | 6.57% | 3.47% | 8.45% | 3.39% | 9.82% | +325 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 | 0.18% | 0.21% | 0.16% | 0.11% | 0.23% | 0.08% | 0.09% | 0.11% | 0 bps | |
| Allowance / Loans | 1.94% | 2.02% | 2.03% | 2.10% | 2.01% | 2.00% | 2.00% | 1.90% | -20 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 | 12.62% | 13.33% | 13.74% | 14.67% | 15.35% | 15.61% | 16.38% | 16.95% | +229 bps | |
| Equity / Assets | 10.66% | 10.71% | 10.87% | 11.59% | 11.71% | 11.35% | 11.91% | 12.18% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.61% | 69.82% | 69.15% | 69.41% | 68.31% | 63.21% | 65.38% | 66.15% | -327 bps | |
| Liquid Assets / Assets | 4.67% | 4.89% | 5.43% | 4.58% | 5.53% | 7.75% | 5.95% | 7.60% | +302 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |