Lakeway, TX · Cert 58083
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 31, 2010, 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.
Lakeway, TX · Cert 58083
FDIC
Q4 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | -0.96% | -1.40% | -3.49% | 0.56%1 | -0.08% | -0.49% | -0.56% | +293 bps | |
| Return on Equity | 4.36% | -10.42% | -15.67% | -41.00% | 7.51% | -1.05% | -6.00% | -6.64% | +3,436 bps | |
| Net Interest Margin | 3.95% | 3.83% | 4.02% | 4.16% | 3.84% | 4.15% | 4.31% | 4.74% | +59 bps | |
| Efficiency Ratio | 76.47% | 76.44% | 78.30% | 87.35% | 95.36% | 105.23% | 115.22% | 115.30% | +2,795 bps | |
| Non-Interest Burden | 2.63% | 2.50% | 2.74% | 3.88% | 3.61% | 4.43% | 5.11% | 5.61% | +173 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 47.21% | 37.50% | 14.63% | -3.47% | -29.48% | -35.18% | -35.91% | -36.81% | -3,334 bps | |
| Loan Growth (YoY) | 39.34% | 30.00% | 19.16% | -13.06% | -32.71% | -45.66% | -52.24% | -49.52% | -3,646 bps | |
| Deposit Growth (YoY) | 61.77% | 44.98% | 19.87% | 1.14% | -29.28% | -35.34% | -36.67% | -39.30% | -4,044 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 | 0.00% | 3.51% | 2.71% | 2.30% | 2.86% | 2.59% | 3.34% | 2.59% | +29 bps | |
| Allowance / Loans | 0.71% | 0.53% | 1.06% | 3.10% | 3.08% | 3.45% | 3.03% | 3.48% | +39 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 | 13.92% | 13.45% | 11.56% | 10.68% | 12.41% | 14.45% | 16.26% | 16.99% | +631 bps | |
| Equity / Assets | 8.71% | 8.39% | 8.13% | 6.65% | 8.34% | 8.74% | 9.33% | 10.50% | +385 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.57% | 87.71% | 90.61% | 83.05% | 83.32% | 73.71% | 68.33% | 69.06% | -1,398 bps | |
| Liquid Assets / Assets | 1.21% | 1.24% | 0.29% | 12.27% | 17.03% | 24.47% | 31.48% | 29.19% | +1,692 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |