Dallas, TX · Charter 14350
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 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.
Dallas, TX · Charter 14350
Q1 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 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 1.08% | 0.52% | 0.14% | 0.21% | 0.00% | 0.10% | -0.34% | -47 bps | |
| Return on Equity | 9.23% | 7.40% | 3.63% | 0.92% | 1.40% | -0.02% | 0.60% | -2.05% | -296 bps | |
| Net Interest Margin | 3.17% | 2.49% | 2.23% | 1.93% | 1.89% | 1.90% | 1.96% | 1.83% | -10 bps | |
| Efficiency Ratio | 43.22% | 54.99% | 57.17% | 77.93% | 78.09% | 87.11% | 83.83% | 81.35% | +342 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.41% | -4.63% | -0.95% | -7.58% | -5.24% | -5.60% | -11.48% | -8.88% | -130 bps | |
| Loan Growth (YoY) | -11.52% | -23.75% | -29.10% | -26.80% | -30.46% | -10.41% | -1.02% | -6.43% | +2,037 bps | |
| Share Growth (YoY) | -2.93% | -7.15% | -2.08% | -9.56% | -6.96% | -6.93% | -13.58% | -10.43% | -87 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.10% | 2.19% | 1.98% | 1.93% | 2.34% | 1.74% | 2.28% | 1.44% | -49 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 | 2.03% | 2.50% | 2.03% | 2.20% | 2.37% | 2.26% | 2.05% | 1.90% | -30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.94% | 14.59% | 14.23% | 14.98% | 15.23% | 15.63% | 16.18% | 16.41% | +144 bps | |
| Net Worth / Assets | 13.94% | 14.59% | 14.23% | 14.98% | 15.23% | 15.63% | 16.18% | 16.41% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.71% | 25.99% | 22.66% | 23.23% | 22.21% | 25.02% | 25.95% | 24.27% | +104 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |