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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 2.13% | 2.31% | -23.27% | -1.50% | 0.68% | 0.97% | -10.10% | +1,316 bps | |
| Return on Equity | 7.10% | 20.24% | 23.41% | -270% | -18.33% | 7.34% | 9.93% | -113.51% | +15,696 bps | |
| Net Interest Margin | 4.17% | 4.03% | 4.16% | 6.27% | 3.67% | 3.63% | 4.26% | 3.32% | -295 bps | |
| Efficiency Ratio | 60.72% | 37.80% | 34.07% | 23.42% | 58.93% | 48.95% | 43.53% | 56.89% | +3,347 bps | |
| Non-Interest Burden | 2.82% | 0.87% | 0.85% | 1.17% | 2.04% | 1.64% | 1.66% | 1.76% | +60 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 | 0.04% | 0.01% | 0.03% | 0.45% | 0.22% | 0.18% | 1.61% | 0.20% | -25 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 |