Sugar Land, TX · Cert 58710
FDIC
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.29% | -0.20% | -0.29% | -0.47% | -0.09% | -5.46% | 0.16% | -0.79% | -32 bps | |
| Return on Equity | -2.83% | -1.97% | -2.42% | -3.52% | -0.71% | -43.33% | 1.22% | -5.80% | -228 bps | |
| Net Interest Margin | 3.44% | 2.79% | 3.08% | 3.38% | 3.17% | 2.54% | 3.09% | 3.16% | -22 bps | |
| Efficiency Ratio | 96.27% | 103.37% | 102.61% | 99.81% | 97.40% | 152.59% | 94.21% | 109.05% | +923 bps | |
| Non-Interest Burden | 3.30% | 2.90% | 3.17% | 3.37% | 3.07% | 4.20% | 2.86% | 3.52% | +15 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 | 0.00% | 0.33% | 0.00% | 0.46% | 2.39% | 5.46% | 0.39% | 1.16% | +71 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 |