Houston, TX · Cert 58943
FDIC
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Houston, TX · Cert 58943
FDIC
Q2 2012
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 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.37% | -1.40% | -2.29% | -2.18% | -1.78% | -0.64% | 0.20%1 | 0.18%1 | +236 bps | |
| Return on Equity | -5.40% | -3.33% | -6.39% | -6.34% | -5.33% | -1.99% | 0.71% | 0.62% | +696 bps | |
| Net Interest Margin | 3.48% | 3.75% | 4.04% | 4.08% | 4.19% | 4.19% | 4.58% | 4.66% | +58 bps | |
| Efficiency Ratio | 152.07% | 146.31% | 152.75% | 143.51% | 128.71% | 122.61% | 101.58% | 101.95% | -4,156 bps | |
| Non-Interest Burden | 5.68% | 5.82% | 6.40% | 6.03% | 5.52% | 5.24% | 4.66% | 4.76% | -127 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 79.71% | 42.94% | 28.80% | 17.33% | 26.07% | 25.96% | 23.86% | 10.94% | -639 bps | |
| Loan Growth (YoY) | 17.71% | 23.59% | 24.87% | 37.35% | 61.41% | 40.19% | 62.65% | 27.10% | -1,025 bps | |
| Deposit Growth (YoY) | 297% | 94.70% | 56.03% | 39.56% | 45.70% | 41.99% | 35.21% | 8.05% | -3,151 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.02% | 1.00% | 1.12% | 0.98% | 0.98% | 1.02% | 0.99% | 0.90% | -8 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 | 55.45% | 50.75% | 49.90% | 39.39% | 33.21% | 34.92% | 32.13% | 30.68% | -871 bps | |
| Equity / Assets | 39.35% | 36.11% | 35.58% | 31.83% | 30.41% | 28.33% | 28.88% | 29.19% | -264 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.67% | 94.64% | 83.40% | 100.86% | 109.31% | 93.44% | 100.33% | 118.64% | +1,779 bps | |
| Liquid Assets / Assets | 21.16% | 28.09% | 13.19% | 10.32% | 0.87% | 1.11% | 1.12% | 0.32% | -1,000 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |