Lubbock, TX · Cert 58718
FDIC
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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.
Lubbock, TX · Cert 58718
FDIC
Q3 2008
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|
| Earnings | ||||||
| Return on Assets | -1.56% | -2.48% | -1.31% | -0.70% | n/a | |
| Return on Equity | n/a | -12.69% | -7.71% | -4.46% | n/a | |
| Net Interest Margin | 0.31% | 3.48% | 2.83% | 2.79% | n/a | |
| Efficiency Ratio | 303% | 116.31% | 101.79% | 93.64% | n/a | |
| Non-Interest Burden | 0.93% | 4.05% | 2.88% | 2.61% | n/a | |
| Growth | ||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |
| Allowance / Loans | 1.20% | 1.20% | 1.20% | 1.20% | n/a | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 27.77% | 17.62% | 15.03% | 13.41% | n/a | |
| Equity / Assets | 24.97% | 15.97% | 13.51% | 12.72% | n/a | |
| Liquidity & Funding | ||||||
| Loans / Deposits | 171.79% | 109.23% | 106.77% | 107.95% | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a |