Roxton, TX · Cert 5503
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Roxton, TX · Cert 5503
FDIC
Q2 2009
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.17% | 1.05% | -1.05% | -1.04% | -1.68% | -1.76% | -0.91% | -0.59% | +45 bps | |
| Return on Equity | 25.73% | 12.89% | -15.19% | -15.19% | -24.76% | -26.34% | -15.47% | -9.93% | +526 bps | |
| Net Interest Margin | 5.64% | 5.53% | 4.98% | 4.83% | 4.99% | 4.70% | 3.51% | 3.33% | -150 bps | |
| Efficiency Ratio | 62.39% | 68.37% | 88.22% | 98.48% | 99.41% | 102.80% | 109.27% | 106.36% | +788 bps | |
| Non-Interest Burden | 2.91% | 3.32% | 4.22% | 4.73% | 4.96% | 4.86% | 3.92% | 3.60% | -113 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.01% | -4.76% | -6.21% | -8.09% | -15.79% | -14.50% | -5.87% | -3.30% | +480 bps | |
| Loan Growth (YoY) | 8.69% | 3.73% | -7.65% | -19.04% | -22.39% | -23.27% | -12.65% | 1.52% | +2,055 bps | |
| Deposit Growth (YoY) | -2.64% | -3.58% | -4.69% | -6.34% | -13.81% | -13.77% | -4.47% | -2.40% | +393 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 | 0.67% | 1.97% | 4.51% | 3.72% | 4.38% | 3.38% | 0.38% | 0.45% | -327 bps | |
| Allowance / Loans | 1.83% | 1.71% | 1.60% | 1.30% | 1.20% | 1.88% | 1.99% | 1.78% | +48 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 | 15.18% | 12.46% | 13.32% | 13.36% | 12.53% | 12.20% | 11.60% | 11.61% | -176 bps | |
| Equity / Assets | 8.62% | 6.83% | 7.02% | 6.74% | 6.58% | 6.10% | 5.70% | 5.98% | -76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.01% | 68.65% | 64.75% | 59.30% | 63.94% | 61.08% | 59.21% | 61.68% | +238 bps | |
| Liquid Assets / Assets | 18.98% | 19.44% | 20.75% | 20.61% | 16.48% | 22.06% | 21.40% | 20.77% | +15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |