Palestine, TX · Cert 3379
FDIC
Q2 2013
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.53% | 0.50% | 0.61% | -0.04% | -55 bps | |
| Return on Equity | 6.89% | 7.29% | 6.86% | 8.45% | -0.44% | -733 bps | |
| Net Interest Margin | 2.95% | 2.87% | 2.80% | 2.48% | 0.36% | -259 bps | |
| Efficiency Ratio | 78.72% | 78.96% | 80.17% | 81.30% | 106.87% | +2,815 bps | |
| Non-Interest Burden | 2.14% | 2.09% | 2.08% | 1.86% | 0.42% | -172 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.65% | 5.34% | 8.22% | 6.08% | 13.09% | +643 bps | |
| Loan Growth (YoY) | -0.81% | -0.79% | -4.62% | -5.77% | -6.74% | -593 bps | |
| Deposit Growth (YoY) | 6.85% | 5.42% | 8.36% | 6.53% | 4.88% | -197 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.70% | 0.54% | 0.42% | -0.03% | 0.00% | -70 bps | |
| Allowance / Loans | 0.84% | 0.90% | 0.98% | 1.02% | 0.00% | -84 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 | 15.63% | 15.98% | 16.42% | 17.05% | 17.13% | +149 bps | |
| Equity / Assets | 7.29% | 7.30% | 7.16% | 7.18% | 13.92% | +663 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 49.92% | 49.21% | 47.19% | 45.58% | 44.38% | -553 bps | |
| Liquid Assets / Assets | 37.85% | 37.65% | 38.32% | 41.28% | 45.59% | +774 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |