Madisonville, TX · Cert 33782
FDIC
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -23.27% | -1.50% | 0.68% | 0.97% | -10.10% | +1,316 bps | |
| Return on Equity | -270% | -18.33% | 7.34% | 9.93% | -113.51% | +15,696 bps | |
| Net Interest Margin | 6.27% | 3.67% | 3.63% | 4.26% | 3.32% | -295 bps | |
| Efficiency Ratio | 23.42% | 58.93% | 48.95% | 43.53% | 56.89% | +3,347 bps | |
| Non-Interest Burden | 1.17% | 2.04% | 1.64% | 1.66% | 1.76% | +60 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 38.63% | 14.79% | -6.47% | -12.19% | 0.74% | -3,788 bps | |
| Loan Growth (YoY) | 51.21% | 30.83% | 1.93% | -6.90% | -10.62% | -6,183 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.45% | 0.22% | 0.18% | 1.61% | 0.20% | -25 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 8.35% | 10.81% | 11.12% | 11.81% | 5.72% | -262 bps | |
| Equity / Assets | 7.03% | 9.34% | 9.28% | 10.36% | 7.59% | +56 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 118.61% | 109.78% | 100.40% | 98.26% | 83.85% | -3,476 bps | |
| Liquid Assets / Assets | 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 |