College Station, TX · Cert 57693
FDIC
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 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.
College Station, TX · Cert 57693
FDIC
Q1 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 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.50% | -0.20% | -0.14% | 0.33% | 0.15% | 0.16% | 0.11% | -2.16% | -249 bps | |
| Return on Equity | -7.06% | -2.66% | -1.78% | 3.55% | 1.58% | 1.64% | 1.10% | -20.09% | -2,364 bps | |
| Net Interest Margin | 4.19% | 4.13% | 4.27% | 3.92% | 3.87% | 3.95% | 3.97% | 3.55% | -37 bps | |
| Efficiency Ratio | 76.16% | 77.43% | 79.93% | 89.22% | 94.11% | 94.24% | 95.25% | 150.13% | +6,092 bps | |
| Non-Interest Burden | 3.04% | 3.08% | 3.29% | 3.43% | 3.60% | 3.69% | 3.75% | 5.67% | +223 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.42% | -9.28% | -0.56% | -9.04% | -13.88% | -11.24% | -12.85% | -11.73% | -269 bps | |
| Loan Growth (YoY) | -3.05% | -13.45% | -19.58% | -22.13% | -20.84% | -20.44% | -19.60% | -21.86% | +26 bps | |
| Deposit Growth (YoY) | 12.47% | -10.19% | -0.34% | -11.15% | -16.74% | -12.67% | -14.35% | -12.62% | -147 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 | 0.39% | 0.42% | 1.24% | 0.75% | -0.11% | 0.36% | 0.54% | 0.02% | -72 bps | |
| Allowance / Loans | 3.04% | 3.22% | 2.75% | 2.74% | 3.17% | 3.03% | 3.01% | 3.25% | +50 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 | 10.58% | 13.21% | 14.41% | 15.33% | 15.99% | 16.62% | 17.48% | 17.52% | +218 bps | |
| Equity / Assets | 6.75% | 8.95% | 9.07% | 9.59% | 10.09% | 10.73% | 10.88% | 10.65% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.82% | 85.68% | 79.51% | 79.47% | 78.74% | 78.05% | 74.64% | 71.06% | -840 bps | |
| Liquid Assets / Assets | 14.31% | 10.92% | 17.95% | 13.88% | 13.47% | 12.60% | 15.51% | 18.29% | +441 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |