McKinney, TX · Cert 58572
FDIC
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.82% | -2.32% | -2.50% | -6.45% | -3.67% | -2.97% | -1.66% | -1.87% | +458 bps | |
| Return on Equity | -39.63% | -24.51% | -24.64% | -58.61% | -31.39% | -27.80% | -16.28% | -17.56% | +4,106 bps | |
| Net Interest Margin | 2.03% | 2.76% | 2.71% | 2.76% | 3.46% | 3.03% | 3.04% | 4.11% | +135 bps | |
| Efficiency Ratio | 182.34% | 132.99% | 144.10% | 622% | 366% | 306% | 150.16% | 143.50% | -47,821 bps | |
| Non-Interest Burden | 3.60% | 3.69% | 3.75% | 8.40% | 7.25% | 6.01% | 4.56% | 5.94% | -245 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 | 5.99% | 1.21% | 2.65% | -0.19% | 2.46% | 0.64% | 0.00% | 0.00% | +19 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 |