South Padre Island, TX · Cert 34950
FDIC
Q3 2013
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.89% | 0.74% | 0.65% | 0.62% | 0.78% | 0.59% | 0.42% | -24 bps | |
| Return on Equity | 5.39% | 4.82% | 4.12% | 3.68% | 3.56% | 5.13% | 3.87% | 2.73% | -94 bps | |
| Net Interest Margin | 3.77% | 3.55% | 3.28% | 3.06% | 3.14% | 2.80% | 2.92% | 2.62% | -44 bps | |
| Efficiency Ratio | 62.84% | 66.00% | 69.74% | 72.33% | 73.22% | 65.31% | 72.60% | 80.53% | +820 bps | |
| Non-Interest Burden | 2.26% | 2.21% | 2.18% | 2.12% | 2.22% | 1.63% | 2.00% | 2.04% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.01% | 2.50% | 5.03% | 11.66% | 11.84% | 8.37% | 4.23% | 3.43% | -823 bps | |
| Loan Growth (YoY) | 2.82% | -1.25% | -11.05% | -9.17% | -11.95% | -7.87% | -7.62% | -5.88% | +329 bps | |
| Deposit Growth (YoY) | -1.02% | 1.84% | 5.58% | 13.96% | 16.82% | 12.44% | 6.59% | 5.73% | -823 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.16% | -0.08% | -0.06% | -6 bps | |
| Allowance / Loans | 1.48% | 1.54% | 1.65% | 1.71% | 1.68% | 1.71% | 1.83% | 1.82% | +11 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 | 31.47% | 32.83% | 35.01% | 37.19% | 31.58% | 33.50% | 36.35% | 31.58% | -561 bps | |
| Equity / Assets | 18.91% | 18.10% | 17.29% | 16.94% | 15.36% | 15.19% | 15.46% | 15.17% | -177 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.08% | 82.32% | 73.79% | 69.05% | 68.64% | 67.45% | 63.95% | 61.47% | -758 bps | |
| Liquid Assets / Assets | 14.81% | 20.34% | 29.76% | 32.93% | 30.85% | 34.92% | 38.34% | 40.89% | +795 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |