Graham, TX · Cert 33865
FDIC
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Graham, TX · Cert 33865
FDIC
Q3 2010
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.32% | 1.88% | 1.85% | 1.93% | 1.95% | 1.71% | 1.68% | 1.71% | -22 bps | |
| Return on Equity | 22.94% | 17.31% | 17.03% | 17.86% | 18.22% | 16.41% | 16.29% | 16.64% | -122 bps | |
| Net Interest Margin | 3.87% | 3.53% | 3.73% | 3.83% | 3.82% | 3.78% | 3.72% | 3.64% | -19 bps | |
| Efficiency Ratio | 46.97% | 60.02% | 61.36% | 60.41% | 57.45% | 64.22% | 64.87% | 64.26% | +385 bps | |
| Non-Interest Burden | 1.06% | 1.64% | 1.85% | 1.86% | 1.62% | 2.06% | 2.06% | 2.00% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.05% | -5.15% | -10.01% | -9.12% | -2.80% | -0.10% | 9.84% | 8.78% | +1,790 bps | |
| Loan Growth (YoY) | 8.42% | 4.28% | -12.76% | -15.68% | -11.55% | 2.55% | 22.64% | 11.05% | +2,673 bps | |
| Deposit Growth (YoY) | -0.11% | -6.30% | -10.96% | -9.46% | -1.84% | -0.09% | 11.00% | 9.28% | +1,874 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 | 0.17% | 0.00% | -0.02% | -0.01% | 0.42% | 0.00% | 0.01% | 0.01% | +2 bps | |
| Allowance / Loans | 1.01% | 1.25% | 1.23% | 1.13% | 1.01% | 1.08% | 0.87% | 0.89% | -24 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 | 12.53% | 14.31% | 13.43% | 12.64% | 12.34% | 13.58% | 11.30% | 12.05% | -59 bps | |
| Equity / Assets | 11.05% | 10.62% | 10.95% | 10.58% | 10.23% | 10.61% | 10.03% | 10.18% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.82% | 86.42% | 93.67% | 97.15% | 94.46% | 88.71% | 103.48% | 98.72% | +157 bps | |
| Liquid Assets / Assets | 0.00% | 4.87% | 11.42% | 8.46% | 10.14% | 15.60% | 2.06% | 7.05% | -141 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |