Madisonville, TX · Cert 33782
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Madisonville, TX · Cert 33782
FDIC
Q3 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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.43% | 2.13% | 2.26% | -6.62% | -5.36% | 0.68% | 0.83% | -2.83% | +380 bps | |
| Return on Equity | 10.02% | 20.24% | 21.72% | -69.58% | -56.47% | 7.34% | 8.59% | -31.04% | +3,854 bps | |
| Net Interest Margin | 3.99% | 4.03% | 3.81% | 4.61% | 4.63% | 3.63% | 3.99% | 3.62% | -98 bps | |
| Efficiency Ratio | 48.89% | 37.80% | 35.81% | 30.64% | 35.95% | 48.95% | 46.06% | 49.38% | +1,874 bps | |
| Non-Interest Burden | 1.87% | 0.87% | 0.80% | 0.92% | 1.25% | 1.64% | 1.67% | 1.64% | +72 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.79% | 43.32% | 45.93% | 38.63% | 14.79% | -6.47% | -12.19% | 0.74% | -3,788 bps | |
| Loan Growth (YoY) | 20.30% | 55.32% | 49.39% | 51.21% | 30.83% | 1.93% | -6.90% | -10.62% | -6,183 bps | |
| Deposit Growth (YoY) | 3.02% | 1.65% | 11.88% | 15.60% | 22.72% | 34.46% | 15.12% | 26.43% | +1,083 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 | 0.01% | 0.01% | 0.02% | 0.16% | 0.18% | 0.18% | 0.90% | 0.68% | +51 bps | |
| Allowance / Loans | 1.75% | 1.36% | 1.35% | 1.20% | 1.45% | 1.66% | 1.73% | 1.70% | +50 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 | 15.21% | 13.10% | 14.02% | 8.35% | 10.81% | 11.12% | 11.81% | 5.72% | -262 bps | |
| Equity / Assets | 11.65% | 9.59% | 10.13% | 7.03% | 9.34% | 9.28% | 10.36% | 7.59% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.97% | 132.44% | 121.50% | 118.61% | 109.78% | 100.40% | 98.26% | 83.85% | -3,476 bps | |
| Liquid Assets / Assets | 0.00% | 0.03% | 0.06% | 0.05% | 0.07% | 4.02% | 5.27% | 18.64% | +1,859 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |