Corpus Christi, TX · Cert 58751
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 31, 2010, 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.
Corpus Christi, TX · Cert 58751
FDIC
Q4 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.71% | -2.25% | -1.28% | -0.78% | 0.04% | 0.24% | 0.29% | 0.48% | +125 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 0.17% | 0.99% | 1.24% | 1.96% | n/a | |
| Net Interest Margin | 1.76% | 2.32% | 2.65% | 2.37% | 4.07% | 4.11% | 4.31% | 4.87% | +250 bps | |
| Efficiency Ratio | 229% | 168.42% | 132.64% | 117.42% | 82.69% | 79.15% | 77.56% | 76.17% | -4,125 bps | |
| Non-Interest Burden | 6.75% | 4.52% | 3.72% | 2.85% | 3.31% | 3.19% | 3.27% | 3.61% | +76 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 138.52% | 81.26% | 39.35% | -5.55% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 302% | 85.86% | 73.14% | 33.86% | n/a | |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | 367% | 132.17% | 56.51% | -8.18% | n/a | |
| 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.24% | 1.27% | 1.29% | 1.44% | 1.43% | 1.50% | 1.70% | 1.79% | +35 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 | 85.20% | 49.37% | 42.85% | 35.81% | 33.70% | 31.38% | 30.13% | 32.50% | -331 bps | |
| Equity / Assets | 62.10% | 38.48% | 31.58% | 25.28% | 25.65% | 21.30% | 22.87% | 27.29% | +201 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.12% | 100.71% | 83.42% | 75.27% | 94.00% | 80.62% | 92.28% | 109.73% | +3,446 bps | |
| Liquid Assets / Assets | 22.20% | 13.52% | 22.37% | 31.70% | 18.52% | 25.99% | 18.10% | 8.01% | -2,369 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |