Seymour, TX · Cert 5526
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.89% | 2.28% | 1.95% | 2.51% | 1.75% | 2.36% | 1.91% | 1.37% | -113 bps | |
| Return on Equity | 18.31% | 21.15% | 17.65% | 21.55% | 15.40% | 21.88% | 17.26% | 12.32% | -923 bps | |
| Net Interest Margin | 4.40% | 4.18% | 4.30% | 4.57% | 4.47% | 4.46% | 4.01% | 4.03% | -54 bps | |
| Efficiency Ratio | 48.07% | 54.34% | 61.04% | 54.42% | 50.80% | 55.78% | 61.59% | 63.47% | +904 bps | |
| Non-Interest Burden | 1.76% | 1.97% | 2.34% | 2.09% | 1.82% | 2.12% | 2.11% | 2.18% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.33% | -4.26% | -7.41% | -11.83% | -4.91% | -3.07% | -2.95% | 3.97% | +1,580 bps | |
| Loan Growth (YoY) | -4.50% | -4.41% | -1.31% | -9.82% | -6.64% | -3.05% | -8.62% | -3.00% | +682 bps | |
| Deposit Growth (YoY) | -6.41% | -5.20% | -8.58% | -13.86% | -4.85% | -3.04% | -2.95% | 5.24% | +1,910 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% | 0.03% | -0.01% | 1.42% | 0.01% | -0.02% | 0.86% | +87 bps | |
| Allowance / Loans | 1.04% | 1.06% | 1.09% | 1.14% | 1.01% | 0.99% | 1.09% | 0.99% | -15 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 | 12.19% | 12.97% | 12.92% | 14.16% | 12.50% | 13.10% | 13.93% | 14.04% | -12 bps | |
| Equity / Assets | 10.50% | 11.10% | 11.04% | 12.25% | 10.52% | 11.09% | 11.07% | 11.20% | -105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.46% | 106.03% | 104.33% | 106.54% | 103.48% | 106.01% | 98.24% | 98.20% | -834 bps | |
| Liquid Assets / Assets | 0.00% | 0.40% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |