Frankston, TX · Cert 9968
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.10% | 0.63% | 0.35% | -0.38% | 1.16% | 1.03% | 1.10% | +76 bps | |
| Return on Equity | 11.11% | 10.70% | 5.92% | 3.16% | -3.48% | 10.70% | 9.25% | 9.68% | +653 bps | |
| Net Interest Margin | 4.10% | 4.00% | 4.14% | 4.04% | 4.43% | 4.37% | 4.51% | 4.65% | +61 bps | |
| Efficiency Ratio | 59.94% | 61.68% | 68.55% | 70.47% | 62.52% | 62.18% | 66.55% | 65.69% | -479 bps | |
| Non-Interest Burden | 2.06% | 2.14% | 2.57% | 2.60% | 2.34% | 2.37% | 2.71% | 2.75% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.09% | 3.28% | 4.99% | -1.98% | -4.19% | -4.11% | -3.12% | 2.25% | +423 bps | |
| Loan Growth (YoY) | 1.10% | 1.14% | 1.86% | 7.15% | 10.64% | 12.74% | 11.83% | 9.92% | +277 bps | |
| Deposit Growth (YoY) | 3.90% | 3.11% | 5.02% | -2.46% | -4.68% | -4.53% | -6.18% | -2.12% | +34 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 | 2.24% | 0.26% | 0.09% | 0.41% | 3.96% | 0.17% | 0.53% | 0.06% | -36 bps | |
| Allowance / Loans | 1.02% | 1.02% | 1.19% | 1.33% | 1.26% | 1.25% | 1.14% | 1.16% | -18 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 | 15.22% | 15.66% | 15.92% | 16.04% | 15.39% | 15.41% | 15.11% | 15.77% | -27 bps | |
| Equity / Assets | 10.06% | 10.55% | 10.64% | 11.45% | 10.59% | 11.11% | 11.22% | 11.59% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.24% | 70.62% | 74.04% | 83.03% | 79.20% | 83.40% | 88.25% | 93.23% | +1,020 bps | |
| Liquid Assets / Assets | 2.68% | 2.11% | 5.28% | 1.09% | 2.40% | 0.73% | 0.45% | 0.43% | -66 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |