Houston, TX · Cert 58342
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 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.
Houston, TX · Cert 58342
FDIC
Q3 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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.83% | 0.80% | 0.69% | 1.03% | 1.06% | 1.25% | 0.52% | 0.73% | -30 bps | |
| Return on Equity | -6.94% | 7.26% | 6.24% | 9.20% | 9.43% | 10.69% | 4.32% | 5.95% | -326 bps | |
| Net Interest Margin | 4.19% | 4.21% | 4.15% | 4.25% | 4.22% | 4.01% | 3.93% | 4.16% | -10 bps | |
| Efficiency Ratio | 96.89% | 81.97% | 82.67% | 79.92% | 80.96% | 77.17% | 90.61% | 87.12% | +720 bps | |
| Non-Interest Burden | 4.63% | 3.39% | 3.35% | 3.33% | 3.37% | 3.03% | 3.54% | 3.60% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.33% | 15.57% | 5.30% | 5.80% | 6.44% | 1.72% | -4.40% | -4.61% | -1,041 bps | |
| Loan Growth (YoY) | 16.00% | 12.98% | 13.38% | 1.03% | 1.64% | 0.22% | -7.38% | -3.30% | -433 bps | |
| Deposit Growth (YoY) | 19.17% | 20.96% | 6.99% | 6.98% | 7.59% | 2.04% | -4.51% | -4.30% | -1,127 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 | 0.18% | 0.64% | 0.29% | 0.20% | 0.17% | 0.00% | 0.00% | 0.08% | -11 bps | |
| Allowance / Loans | 1.08% | 0.94% | 0.95% | 1.00% | 1.03% | 1.06% | 1.05% | 0.99% | -2 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 | 21.97% | 22.52% | 21.20% | 23.34% | 24.44% | 26.02% | 26.19% | 26.79% | +345 bps | |
| Equity / Assets | 11.36% | 10.76% | 11.12% | 11.47% | 11.72% | 11.72% | 12.66% | 12.89% | +143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.14% | 80.14% | 88.16% | 84.37% | 83.27% | 78.71% | 85.52% | 85.26% | +88 bps | |
| Liquid Assets / Assets | 15.70% | 25.49% | 17.38% | 19.59% | 21.56% | 23.14% | 18.38% | 17.50% | -209 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |