Denison, TX · Charter 67496
Q3 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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.06% | -0.41% | -0.38% | -0.69% | -0.73% | -0.95% | -3.92% | -22.64% | -2,195 bps | |
| Return on Equity | -4.17% | -1.57% | -1.52% | -2.74% | -2.77% | -3.36% | -14.17% | -164.64% | -16,190 bps | |
| Net Interest Margin | 3.08% | 2.67% | 2.52% | 2.49% | 2.51% | 2.09% | 2.02% | -17.42% | -1,991 bps | |
| Efficiency Ratio | 139.30% | 115.31% | 115.21% | 127.89% | 129.14% | 145.58% | 254% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.15% | 4.63% | 10.43% | -0.32% | -5.88% | -11.49% | -16.52% | -17.99% | -1,766 bps | |
| Loan Growth (YoY) | 1.35% | -9.39% | -23.80% | -29.85% | -26.68% | -29.37% | -26.35% | -19.63% | +1,021 bps | |
| Share Growth (YoY) | 15.09% | 8.51% | 16.18% | 0.79% | -6.88% | -14.41% | -20.35% | -5.62% | -641 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.00% | 0.00% | 0.72% | 0.00% | 0.00% | 0.00% | 0.00% | -72 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 | 1.18% | 1.31% | 1.49% | 1.62% | 0.90% | 1.03% | 2.94% | 1.83% | +20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.53% | 25.96% | 25.21% | 25.38% | 26.38% | 28.42% | 27.65% | 13.75% | -1,163 bps | |
| Net Worth / Assets | 25.53% | 25.96% | 25.21% | 25.38% | 26.38% | 28.42% | 27.65% | 13.75% | -1,163 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.24% | 40.04% | 33.79% | 31.76% | 34.05% | 33.04% | 31.24% | 27.04% | -472 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |