Sugar Land, TX · Cert 58710
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Sugar Land, TX · Cert 58710
FDIC
Q2 2011
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 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.72% | -0.57% | -0.29% | -0.38% | -0.27% | -1.67% | 0.16% | -0.30% | +8 bps | |
| Return on Equity | -6.12% | -4.96% | -2.42% | -3.01% | -2.17% | -13.34% | 1.22% | -2.29% | +72 bps | |
| Net Interest Margin | 3.24% | 2.75% | 3.08% | 3.34% | 3.13% | 2.80% | 3.09% | 3.21% | -13 bps | |
| Efficiency Ratio | 107.37% | 106.32% | 102.61% | 101.19% | 99.76% | 112.92% | 94.21% | 101.43% | +24 bps | |
| Non-Interest Burden | 3.49% | 2.94% | 3.17% | 3.38% | 3.13% | 3.20% | 2.86% | 3.27% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 101.64% | 51.70% | 30.54% | 22.05% | 12.65% | 7.11% | 3.34% | -0.56% | -2,261 bps | |
| Loan Growth (YoY) | 92.18% | 46.44% | 10.02% | 8.38% | 0.04% | -7.99% | -0.80% | -12.92% | -2,130 bps | |
| Deposit Growth (YoY) | 128.94% | 58.98% | 30.51% | 17.28% | 6.21% | 4.10% | 2.81% | 1.41% | -1,587 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 | 0.01% | 0.09% | 0.00% | 0.23% | 0.96% | 2.14% | 0.39% | 0.79% | +56 bps | |
| Allowance / Loans | 1.36% | 1.34% | 1.44% | 1.38% | 1.07% | 1.44% | 1.30% | 1.25% | -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 | 12.24% | 15.54% | 18.10% | 18.97% | 20.91% | 19.90% | 18.98% | 20.77% | +180 bps | |
| Equity / Assets | 9.29% | 10.70% | 13.04% | 13.76% | 13.04% | 12.16% | 13.48% | 13.66% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.51% | 76.83% | 82.41% | 89.50% | 72.07% | 67.90% | 79.52% | 76.85% | -1,265 bps | |
| Liquid Assets / Assets | 7.06% | 7.51% | 9.91% | 8.48% | 18.89% | 19.16% | 10.82% | 20.34% | +1,187 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |