McKinney, TX · Cert 58572
FDIC
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 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.
McKinney, TX · Cert 58572
FDIC
Q2 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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.62% | -2.57% | -2.50% | -4.38% | -4.10% | -3.81% | -1.66% | -1.77% | +260 bps | |
| Return on Equity | -28.12% | -27.13% | -24.64% | -41.02% | -37.98% | -35.70% | -16.28% | -16.90% | +2,412 bps | |
| Net Interest Margin | 2.27% | 2.36% | 2.71% | 2.90% | 3.71% | 3.43% | 3.04% | 3.75% | +85 bps | |
| Efficiency Ratio | 155.04% | 148.18% | 144.10% | 622% | 506% | 441% | 150.16% | 146.46% | -47,526 bps | |
| Non-Interest Burden | 3.43% | 3.45% | 3.75% | 6.31% | 7.97% | 7.24% | 4.56% | 5.51% | -80 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.28% | -9.48% | -17.53% | -35.11% | -38.81% | -30.34% | -28.94% | -13.33% | +2,178 bps | |
| Loan Growth (YoY) | -18.47% | -22.35% | -25.06% | -45.66% | -43.64% | -40.52% | -36.16% | -25.27% | +2,039 bps | |
| Deposit Growth (YoY) | -9.48% | -24.56% | -29.27% | -48.20% | -45.37% | -32.23% | -31.45% | -2.57% | +4,562 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 | 2.12% | 2.04% | 2.65% | 1.80% | 2.08% | 1.77% | 0.00% | 0.00% | -180 bps | |
| Allowance / Loans | 1.46% | 1.80% | 1.82% | 2.82% | 2.33% | 2.26% | 2.28% | 2.78% | -3 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 | 15.58% | 16.82% | 16.26% | 17.34% | 17.09% | 16.08% | 15.74% | 16.70% | -65 bps | |
| Equity / Assets | 8.91% | 10.12% | 10.20% | 12.13% | 11.27% | 10.13% | 10.25% | 11.16% | -97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.39% | 98.95% | 95.20% | 100.41% | 95.32% | 86.85% | 88.67% | 77.01% | -2,339 bps | |
| Liquid Assets / Assets | 17.43% | 15.00% | 15.98% | 15.81% | 12.59% | 11.30% | 17.89% | 16.52% | +71 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |