The Woodlands, TX · Cert 57431
FDIC
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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.
The Woodlands, TX · Cert 57431
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 | -3.07% | -8.69% | -6.56% | -5.65% | -5.31% | -2.78% | -2.21% | -3.57% | +208 bps | |
| Return on Equity | -38.03% | -120.61% | -98.28% | -90.79% | -91.33% | -77.81% | -64.25% | -112.40% | -2,161 bps | |
| Net Interest Margin | 4.18% | 2.80% | 2.77% | 2.98% | 2.91% | 2.76% | 2.50% | 2.67% | -31 bps | |
| Efficiency Ratio | 137.60% | 188.27% | 301% | 331% | 318% | 209% | 180.03% | 193.04% | -13,808 bps | |
| Non-Interest Burden | 5.78% | 5.36% | 5.88% | 6.50% | 6.35% | 5.57% | 4.67% | 5.33% | -117 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -32.38% | -26.92% | -29.45% | -28.54% | -11.95% | -12.54% | -17.82% | -32.47% | -393 bps | |
| Loan Growth (YoY) | -38.63% | -36.03% | -37.33% | -37.92% | -28.57% | -30.92% | -31.58% | -44.13% | -621 bps | |
| Deposit Growth (YoY) | -35.86% | -28.87% | -30.46% | -28.81% | -6.47% | -8.70% | -15.98% | -31.55% | -274 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 | 3.50% | 5.55% | 4.78% | 3.52% | 4.56% | 1.03% | 0.44% | 5.71% | +220 bps | |
| Allowance / Loans | 3.24% | 4.05% | 3.74% | 3.97% | 3.43% | 3.46% | 3.88% | 2.90% | -107 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 | 14.52% | 12.44% | 12.19% | 10.82% | 9.94% | 8.74% | 8.53% | 6.04% | -478 bps | |
| Equity / Assets | 8.43% | 6.03% | 5.55% | 4.77% | 4.00% | 3.17% | 3.14% | 2.09% | -268 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.31% | 82.17% | 79.88% | 75.45% | 70.50% | 62.17% | 65.05% | 61.58% | -1,386 bps | |
| Liquid Assets / Assets | 4.95% | 12.78% | 12.81% | 15.14% | 17.72% | 23.09% | 20.02% | 17.61% | +246 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |