Roxton, TX · Cert 5503
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.57% | -2.37% | -1.05% | -1.05% | -3.02% | -2.02% | -0.91% | -0.27% | +77 bps | |
| Return on Equity | 30.13% | -30.65% | -15.19% | -15.19% | -45.32% | -31.92% | -15.47% | -4.69% | +1,050 bps | |
| Net Interest Margin | 5.68% | 5.48% | 4.98% | 4.42% | 4.61% | 3.71% | 3.51% | 3.29% | -113 bps | |
| Efficiency Ratio | 58.98% | 87.67% | 88.22% | 111.54% | 101.53% | 115.84% | 109.27% | 103.43% | -811 bps | |
| Non-Interest Burden | 2.56% | 4.66% | 4.22% | 5.03% | 4.70% | 4.49% | 3.92% | 3.43% | -160 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 | 0.29% | 5.82% | 4.51% | 2.56% | 5.62% | -0.27% | 0.38% | 0.54% | -202 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 |