Pantego, TX · Cert 58333
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 | 0.21% | 0.23% | 0.33% | 0.19% | 0.48% | 0.52% | 0.49% | -10.04% | -1,023 bps | |
| Return on Equity | 1.99% | 2.23% | 3.19% | 1.90% | 4.67% | 5.03% | 4.58% | -95.43% | -9,733 bps | |
| Net Interest Margin | 3.86% | 3.79% | 3.74% | 3.53% | 3.36% | 3.29% | 3.39% | 3.50% | -3 bps | |
| Efficiency Ratio | 93.95% | 93.83% | 91.64% | 95.01% | 106.75% | 99.01% | 96.31% | 366% | +27,121 bps | |
| Non-Interest Burden | 3.61% | 3.54% | 3.40% | 3.33% | 3.62% | 3.25% | 3.25% | 14.25% | +1,091 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.87% | 16.02% | 9.87% | 3.68% | 0.34% | -6.98% | -9.30% | -9.60% | -1,328 bps | |
| Loan Growth (YoY) | 21.28% | 3.68% | -2.46% | -6.94% | -19.50% | -19.43% | -11.32% | -1.06% | +588 bps | |
| Deposit Growth (YoY) | 28.31% | 18.64% | 10.79% | 3.74% | 0.00% | -8.19% | -11.03% | -10.38% | -1,411 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 | -0.22% | 0.23% | 0.18% | 0.00% | -1.09% | -0.73% | -0.50% | 0.00% | 0 bps | |
| Allowance / Loans | 1.26% | 1.02% | 1.04% | 1.08% | 1.03% | 1.05% | 1.01% | 0.94% | -14 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 | 16.51% | 16.79% | 17.77% | 18.90% | 20.98% | 20.96% | 20.43% | 17.35% | -154 bps | |
| Equity / Assets | 10.22% | 9.63% | 10.22% | 10.20% | 10.53% | 10.78% | 11.86% | 9.18% | -102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.71% | 62.53% | 64.90% | 62.35% | 56.12% | 54.87% | 64.69% | 68.83% | +648 bps | |
| Liquid Assets / Assets | 4.82% | 4.54% | 4.79% | 27.28% | 32.88% | 25.32% | 11.47% | 30.64% | +336 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |