Borger, TX · Cert 34635
FDIC
Q1 2011
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.09% | 1.09% | 1.41% | 1.45% | 1.27% | 0.87% | 0.56% | -85 bps | |
| Return on Equity | 10.59% | 9.86% | 9.87% | 13.51% | 13.93% | 12.03% | 7.82% | 2.52% | -1,099 bps | |
| Net Interest Margin | 3.63% | 3.93% | 3.98% | 4.22% | 4.11% | 3.74% | 68.12% | 0.13% | -409 bps | |
| Efficiency Ratio | 71.81% | 72.94% | 70.22% | 66.96% | 64.24% | 67.79% | 0.69% | 0.00% | -6,696 bps | |
| Non-Interest Burden | 2.49% | 2.80% | 2.71% | 2.66% | 2.47% | 2.38% | -10.08% | -0.39% | -305 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.27% | -4.56% | -9.33% | -0.42% | 1.17% | -0.68% | -78.87% | -77.38% | -7,696 bps | |
| Loan Growth (YoY) | -6.67% | -10.11% | -15.76% | 0.48% | -15.49% | -3.66% | -86.79% | -98.01% | -9,849 bps | |
| Deposit Growth (YoY) | -5.76% | -7.47% | -9.57% | 0.32% | 2.43% | 4.87% | -82.04% | -80.10% | -8,042 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 | -0.02% | -0.03% | 0.93% | 0.13% | 0.07% | -0.12% | 0.00% | 0.00% | -13 bps | |
| Allowance / Loans | 1.64% | 1.65% | 1.01% | 0.92% | 1.22% | 1.20% | 0.00% | 0.00% | -92 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 | 14.42% | 14.50% | 13.18% | 12.15% | 14.64% | 13.59% | 30.63% | 21.49% | +934 bps | |
| Equity / Assets | 11.47% | 11.65% | 10.65% | 10.26% | 10.41% | 10.76% | 24.05% | 21.05% | +1,079 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.13% | 97.63% | 91.00% | 93.14% | 77.66% | 89.69% | 66.90% | 9.31% | -8,383 bps | |
| Liquid Assets / Assets | 4.44% | 4.16% | 2.38% | 1.48% | 15.17% | 10.89% | 0.00% | 0.00% | -148 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |