Canadian, TX · Cert 34634
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.
Canadian, TX · Cert 34634
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.47% | 2.07% | 2.30% | 2.25% | 2.30% | -17 bps | |
| Return on Equity | 21.78% | 18.56% | 21.19% | 20.62% | 21.20% | -59 bps | |
| Net Interest Margin | 4.40% | 4.12% | 3.98% | 3.97% | 3.96% | -44 bps | |
| Efficiency Ratio | 43.67% | 43.21% | 47.23% | 47.71% | 46.34% | +267 bps | |
| Non-Interest Burden | 1.65% | 1.53% | 1.68% | 1.70% | 1.62% | -4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.09% | -13.80% | -5.99% | 5.37% | 10.79% | +1,887 bps | |
| Loan Growth (YoY) | -9.92% | -12.44% | -9.07% | 4.78% | 1.61% | +1,153 bps | |
| Deposit Growth (YoY) | -10.56% | -14.81% | -6.22% | 11.23% | 13.72% | +2,428 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.58% | 0.00% | 0.00% | 0.02% | 0 bps | |
| Allowance / Loans | 1.15% | 0.99% | 1.05% | 1.03% | 1.03% | -12 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 | 13.91% | 11.54% | 12.79% | 12.27% | 12.43% | -148 bps | |
| Equity / Assets | 13.00% | 10.48% | 11.20% | 11.00% | 10.67% | -232 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 103.95% | 99.21% | 95.35% | 98.26% | 92.88% | -1,107 bps | |
| Liquid Assets / Assets | 3.77% | 6.83% | 11.12% | 8.30% | 13.36% | +959 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |