Lakeway, TX · Cert 58014
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 | 0.79% | 0.82% | 0.88% | 1.51% | 1.53% | 1.55% | 1.53% | 2.75% | +123 bps | |
| Return on Equity | 7.34% | 7.58% | 7.94% | 12.35% | 12.30% | 12.28% | 11.94% | 19.82% | +747 bps | |
| Net Interest Margin | 3.42% | 3.50% | 3.66% | 4.28% | 4.29% | 4.25% | 4.26% | 4.03% | -25 bps | |
| Efficiency Ratio | 49.91% | 49.61% | 50.26% | 38.04% | 37.43% | 37.08% | 37.87% | 37.97% | -7 bps | |
| Non-Interest Burden | 1.69% | 1.71% | 1.84% | 1.60% | 1.57% | 1.53% | 1.59% | 1.50% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.15% | -3.83% | -4.33% | -5.43% | -5.73% | -4.41% | -1.18% | 2.37% | +779 bps | |
| Loan Growth (YoY) | -11.10% | -5.32% | -1.75% | -0.16% | 1.74% | -0.84% | -2.82% | -5.87% | -571 bps | |
| Deposit Growth (YoY) | 0.45% | 2.08% | 6.32% | 3.83% | 0.66% | 1.65% | 2.37% | 7.64% | +381 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 | 0.48% | 0.40% | 0.45% | 0.00% | 0.12% | 0.12% | 0.14% | 0.06% | +6 bps | |
| Allowance / Loans | 1.56% | 1.65% | 1.61% | 1.74% | 1.76% | 1.86% | 1.94% | 2.06% | +32 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 | 18.03% | 18.35% | 18.93% | 19.67% | 19.76% | 20.45% | 21.85% | 23.49% | +383 bps | |
| Equity / Assets | 10.85% | 11.27% | 11.96% | 12.55% | 12.78% | 13.23% | 13.63% | 14.08% | +153 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.43% | 108.12% | 107.70% | 110.07% | 108.58% | 105.48% | 102.23% | 96.26% | -1,381 bps | |
| Liquid Assets / Assets | 17.71% | 17.46% | 14.61% | 14.44% | 14.49% | 14.40% | 16.40% | 22.07% | +763 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |