Paris, TX · Charter 67492
Q4 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.49% | -0.40% | -0.64% | -1.03% | -6.03% | -0.56% | -2.49% | -2.40% | -137 bps | |
| Return on Equity | -2.41% | -1.98% | -3.19% | -5.09% | -31.39% | -2.64% | -12.30% | -10.95% | -586 bps | |
| Net Interest Margin | 4.71% | 4.11% | 3.90% | 3.70% | 18.75% | 4.64% | 5.47% | 5.48% | +179 bps | |
| Efficiency Ratio | 89.46% | 120.80% | 124.14% | 106.52% | 114.63% | 111.90% | 129.51% | 131.47% | +2,495 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.56% | 3.81% | -4.07% | -3.70% | -3.10% | -14.80% | -14.75% | -23.35% | -1,965 bps | |
| Loan Growth (YoY) | -15.71% | -22.24% | -17.86% | -11.79% | -5.62% | 20.01% | 17.27% | 5.24% | +1,703 bps | |
| Share Growth (YoY) | 7.55% | 9.89% | -2.00% | -2.87% | -0.74% | -9.71% | -15.27% | -25.45% | -2,258 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 1.45% | 7.42% | 10.63% | 10.29% | 8.36% | 6.18% | 0.00% | -1,063 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.70% | 0.67% | 3.40% | 3.30% | 2.56% | 3.70% | 0.86% | -255 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.42% | 20.05% | 19.97% | 20.18% | 19.21% | 21.22% | 20.25% | 21.88% | +170 bps | |
| Net Worth / Assets | 20.42% | 20.05% | 19.97% | 20.18% | 19.21% | 21.22% | 20.25% | 21.88% | +170 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.08% | 45.97% | 48.82% | 47.49% | 49.52% | 61.10% | 67.57% | 67.04% | +1,955 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |