Victoria, TX · Cert 5570
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 | 0.89% | 0.98% | 1.00% | 0.99% | 1.00% | 1.10% | 1.12% | 1.15% | +16 bps | |
| Return on Equity | 8.79% | 9.48% | 9.60% | 9.59% | 9.73% | 10.77% | 10.91% | 11.16% | +157 bps | |
| Net Interest Margin | 3.61% | 3.87% | 3.79% | 3.67% | 3.25% | 3.69% | 3.60% | 3.55% | -12 bps | |
| Efficiency Ratio | 66.93% | 60.31% | 63.52% | 63.80% | 64.18% | 61.25% | 60.41% | 60.26% | -354 bps | |
| Non-Interest Burden | 2.02% | 1.77% | 1.93% | 1.90% | 1.72% | 1.86% | 1.75% | 1.71% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.41% | 9.61% | 10.34% | 9.55% | 24.99% | 25.85% | 23.09% | 20.14% | +1,058 bps | |
| Loan Growth (YoY) | 2.51% | 3.82% | 7.73% | 6.82% | 21.69% | 19.43% | 19.26% | 18.56% | +1,175 bps | |
| Deposit Growth (YoY) | 11.24% | 10.27% | 10.81% | 10.10% | 25.52% | 26.23% | 23.36% | 19.17% | +907 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 | 0.40% | 1.05% | 0.58% | 0.46% | 0.32% | 0.28% | 0.33% | 0.26% | -20 bps | |
| Allowance / Loans | 1.81% | 1.75% | 1.74% | 1.75% | 1.55% | 1.55% | 1.50% | 1.50% | -25 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 | 13.32% | 13.60% | 13.82% | 13.59% | 13.07% | 13.58% | 13.66% | 14.18% | +59 bps | |
| Equity / Assets | 10.26% | 10.48% | 10.53% | 9.99% | 10.13% | 10.29% | 10.45% | 10.44% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.10% | 79.05% | 79.22% | 75.42% | 75.72% | 74.79% | 76.59% | 75.03% | -39 bps | |
| Liquid Assets / Assets | 10.68% | 9.07% | 9.32% | 10.91% | 10.81% | 12.50% | 9.66% | 11.75% | +84 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |