Highland Village, TX · Cert 34665
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Highland Village, TX · Cert 34665
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 | -0.62% | 0.00% | 0.04% | 0.17% | 0.34% | 0.89% | 0.85% | 0.42% | +26 bps | |
| Return on Equity | -9.27% | 0.05% | 0.44% | 1.91% | 3.80% | 9.06% | 8.59% | 4.21% | +229 bps | |
| Net Interest Margin | 3.87% | 3.90% | 3.99% | 4.11% | 4.09% | 4.11% | 4.13% | 4.06% | -5 bps | |
| Efficiency Ratio | 123.72% | 99.92% | 98.77% | 94.63% | 92.78% | 81.58% | 81.66% | 90.80% | -383 bps | |
| Non-Interest Burden | 4.85% | 3.90% | 3.94% | 3.85% | 3.75% | 3.20% | 3.27% | 3.64% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.34% | -8.84% | -3.98% | -0.47% | -0.43% | 3.52% | 3.65% | 2.23% | +270 bps | |
| Loan Growth (YoY) | -27.49% | -20.34% | -12.31% | -2.19% | 3.50% | 4.17% | 4.82% | -0.55% | +164 bps | |
| Deposit Growth (YoY) | -8.58% | -7.90% | -5.42% | -2.01% | -2.55% | 1.62% | 2.36% | 1.53% | +355 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 | 1.22% | 0.68% | 0.42% | 0.35% | 0.46% | -0.30% | 0.14% | 0.56% | +20 bps | |
| Allowance / Loans | 3.30% | 3.13% | 3.01% | 2.89% | 2.73% | 2.79% | 2.56% | 2.30% | -60 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 | 14.45% | 14.43% | 15.23% | 16.06% | 16.54% | 16.68% | 16.44% | 16.60% | +54 bps | |
| Equity / Assets | 7.74% | 8.37% | 9.00% | 9.64% | 9.73% | 9.99% | 10.13% | 10.27% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.85% | 67.23% | 68.18% | 70.93% | 67.81% | 68.92% | 69.82% | 69.48% | -146 bps | |
| Liquid Assets / Assets | 23.02% | 20.72% | 21.53% | 23.31% | 29.77% | 31.61% | 30.37% | 30.35% | +704 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |