Houston, TX · Cert 58342
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.80% | 0.57% | 1.69% | 1.17% | 1.25% | -0.24% | 1.17% | -52 bps | |
| Return on Equity | 7.88% | 7.26% | 5.22% | 15.00% | 10.08% | 10.69% | -2.01% | 9.17% | -582 bps | |
| Net Interest Margin | 4.77% | 4.21% | 4.28% | 4.37% | 4.16% | 4.01% | 3.95% | 4.28% | -9 bps | |
| Efficiency Ratio | 72.06% | 81.97% | 83.28% | 74.16% | 84.27% | 77.17% | 104.38% | 80.37% | +621 bps | |
| Non-Interest Burden | 3.38% | 3.39% | 3.46% | 3.22% | 3.49% | 3.03% | 4.13% | 3.41% | +19 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 | 0.08% | 0.64% | -0.02% | 0.00% | 0.09% | 0.00% | 0.00% | 0.25% | +25 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 |