Bellaire, TX · Cert 57345
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Bellaire, TX · Cert 57345
FDIC
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.29% | 0.46% | 0.42% | 0.49% | 0.37% | 0.44% | -0.04% | -0.73% | -122 bps | |
| Return on Equity | -3.26% | 5.41% | 4.97% | 5.50% | 4.13% | 4.63% | -0.45% | -7.58% | -1,307 bps | |
| Net Interest Margin | 3.30% | 3.53% | 3.57% | 3.71% | 3.41% | 2.96% | 2.96% | 2.99% | -72 bps | |
| Efficiency Ratio | 105.26% | 84.25% | 86.35% | 76.76% | 79.29% | 79.84% | 79.74% | 115.97% | +3,921 bps | |
| Non-Interest Burden | 3.46% | 2.92% | 3.04% | 2.68% | 2.60% | 2.30% | 2.30% | 3.52% | +84 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.19% | 6.74% | 4.85% | -6.29% | -4.97% | -4.81% | -5.94% | 3.81% | +1,011 bps | |
| Loan Growth (YoY) | 12.41% | 8.10% | -0.38% | -23.74% | -23.13% | -25.72% | -24.14% | -3.99% | +1,975 bps | |
| Deposit Growth (YoY) | 10.53% | 9.77% | 5.23% | -7.66% | -7.27% | -7.33% | -7.06% | 3.89% | +1,154 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 | 0.15% | -0.01% | 0.54% | 1.29% | 0.97% | -0.04% | 2.84% | 2.17% | +88 bps | |
| Allowance / Loans | 1.62% | 1.60% | 1.36% | 1.83% | 1.85% | 1.91% | 1.50% | 1.57% | -26 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 | 15.27% | 15.33% | 15.31% | 19.92% | 19.67% | 20.20% | 20.71% | 20.04% | +11 bps | |
| Equity / Assets | 8.51% | 8.44% | 8.69% | 9.82% | 9.50% | 9.54% | 9.83% | 9.64% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.50% | 52.66% | 51.73% | 44.70% | 43.52% | 42.21% | 42.22% | 41.31% | -339 bps | |
| Liquid Assets / Assets | 18.26% | 20.36% | 22.79% | 25.13% | 19.19% | 17.81% | 21.38% | 24.46% | -66 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |