Houston, TX · Cert 34378
FDIC
Q2 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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.91% | -1.53% | 0.35% | 0.46% | 0.45% | 0.49% | 0.90% | 0.90% | +43 bps | |
| Return on Equity | -17.62% | -13.93% | 2.99% | 3.89% | 3.76% | 4.14% | 7.66% | 7.68% | +379 bps | |
| Net Interest Margin | 2.76% | 2.77% | 3.13% | 3.24% | 3.10% | 3.16% | 3.30% | 3.16% | -7 bps | |
| Efficiency Ratio | 108.00% | 103.86% | 75.64% | 72.53% | 74.01% | 72.70% | 66.68% | 67.64% | -489 bps | |
| Non-Interest Burden | 3.05% | 2.92% | 2.02% | 1.98% | 1.98% | 1.95% | 1.71% | 1.69% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.13% | -10.37% | -11.02% | -9.83% | -11.09% | 3.77% | 8.93% | 11.80% | +2,163 bps | |
| Loan Growth (YoY) | -6.33% | -13.70% | -11.11% | -7.54% | -4.88% | 10.08% | 11.56% | 8.38% | +1,592 bps | |
| Deposit Growth (YoY) | 3.87% | -13.15% | -14.46% | -13.42% | -15.01% | 4.41% | 11.34% | 15.82% | +2,923 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 | 4.90% | 4.62% | 0.77% | 0.74% | 0.81% | 0.77% | 0.28% | 0.22% | -52 bps | |
| Allowance / Loans | 2.02% | 2.00% | 2.02% | 1.97% | 1.83% | 1.75% | 1.72% | 1.68% | -28 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 | 13.79% | 13.04% | 13.36% | 13.60% | 13.89% | 13.74% | 14.27% | 14.72% | +112 bps | |
| Equity / Assets | 10.57% | 11.69% | 11.85% | 12.08% | 12.18% | 11.86% | 11.64% | 11.53% | -55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.40% | 87.75% | 89.29% | 92.18% | 93.33% | 92.52% | 89.47% | 86.25% | -592 bps | |
| Liquid Assets / Assets | 17.47% | 10.76% | 10.36% | 13.45% | 13.93% | 14.13% | 15.65% | 19.42% | +597 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |