Austin, TX · Cert 11561
FDIC · 25 branches
Q1 2017
Market Position · Dallas-Fort Worth-Arlington, TX · 2016 SOD (annual) · 0.5% share · #22 of 159 inst. · $1.3B of $247.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 1.25% | 1.03% | 1.03% | 1.28% | 1.32% | 0.45% | 1.22% | +19 bps | |
| Return on Equity | 7.88% | 7.94% | 6.86% | 7.14% | 8.58% | 8.80% | 3.09% | 8.61% | +146 bps | |
| Net Interest Margin | 3.71% | 3.57% | 3.47% | 3.63% | 3.71% | 3.82% | 7.16% | 3.66% | +3 bps | |
| Efficiency Ratio | 60.25% | 60.41% | 63.18% | 63.32% | 60.89% | 60.31% | 66.07% | 61.91% | -141 bps | |
| Non-Interest Burden | 1.63% | 1.50% | 1.72% | 1.78% | 1.60% | 1.55% | 4.01% | 1.72% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 51.09% | 52.85% | -2.18% | -3.69% | -1.61% | 0.58% | 27.88% | 29.79% | +3,348 bps | |
| Loan Growth (YoY) | 32.75% | 30.98% | -9.55% | -2.93% | 3.90% | 12.56% | 48.00% | 41.45% | +4,439 bps | |
| Deposit Growth (YoY) | 48.28% | 48.92% | -1.62% | -3.46% | -2.94% | 0.48% | 28.33% | 32.14% | +3,560 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.78% | +78 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.06% | 0.11% | 0.02% | 0.11% | 0.04% | -0.02% | 3.79% | +376 bps | |
| Allowance / Loans | 0.89% | 0.91% | 0.93% | 0.94% | 0.92% | 0.88% | 1.99% | 1.12% | +18 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 1.4x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.74% | 11.10% | 9.45% | 9.77% | 9.74% | 9.85% | 8.67% | 8.63% | -114 bps | |
| Total Risk-Based Capital | 15.55% | 15.83% | 14.39% | 14.33% | 13.83% | 12.97% | 12.61% | 12.04% | -229 bps | |
| Equity / Assets | 15.61% | 15.77% | 14.16% | 14.74% | 15.15% | 14.90% | 14.29% | 14.00% | -74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.70% | 72.09% | 68.42% | 71.45% | 77.83% | 80.76% | 78.90% | 76.48% | +503 bps | |
| Liquid Assets / Assets | 6.40% | 8.53% | 10.42% | 8.12% | 3.85% | 2.32% | 3.63% | 5.37% | -275 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |