Granbury, TX · Cert 34320
FDIC
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.59% | 1.76% | 1.83% | 1.86% | 1.84% | 1.83% | 1.72% | 1.81% | -5 bps | |
| Return on Equity | 12.11% | 13.44% | 13.97% | 14.13% | 14.07% | 14.66% | 13.86% | 14.59% | +47 bps | |
| Net Interest Margin | 4.27% | 4.34% | 4.37% | 4.34% | 4.23% | 4.24% | 4.09% | 4.00% | -33 bps | |
| Efficiency Ratio | 53.72% | 53.64% | 52.20% | 51.62% | 51.62% | 49.72% | 52.10% | 50.33% | -129 bps | |
| Non-Interest Burden | 1.70% | 1.77% | 1.71% | 1.67% | 1.64% | 1.49% | 1.58% | 1.45% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.07% | -1.28% | 2.91% | 4.12% | 7.65% | 12.40% | 11.20% | 7.46% | +334 bps | |
| Loan Growth (YoY) | 1.85% | 5.91% | 11.13% | 14.75% | 17.39% | 14.47% | 10.25% | 6.00% | -875 bps | |
| Deposit Growth (YoY) | -5.16% | -2.70% | 1.63% | 6.81% | 8.70% | 13.48% | 11.54% | 8.42% | +161 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 | 0.34% | 0.05% | -0.12% | -0.12% | -0.04% | 0.53% | 0.36% | 0.17% | +29 bps | |
| Allowance / Loans | 2.24% | 2.25% | 2.22% | 2.18% | 2.05% | 1.98% | 1.93% | 1.98% | -20 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 | 15.37% | 15.27% | 14.90% | 15.11% | 14.31% | 14.11% | 13.74% | 14.28% | -83 bps | |
| Equity / Assets | 13.02% | 13.16% | 13.19% | 13.20% | 12.82% | 12.23% | 12.12% | 12.34% | -86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.41% | 66.69% | 69.48% | 69.80% | 70.64% | 67.27% | 68.68% | 68.24% | -156 bps | |
| Liquid Assets / Assets | 3.63% | 3.09% | 2.37% | 3.35% | 2.49% | 5.18% | 4.77% | 5.44% | +209 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |