Prosper, TX · Cert 14485
FDIC · 2 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Prosper, TX · Cert 14485
FDIC · 2 branches
Q2 2016
Market Position · Dallas-Fort Worth-Arlington, TX · 2016 SOD (annual) · 0.0% share · #109 of 159 inst. · $0.1B of $247.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.44% | 0.29% | 1.59% | 1.19% | 1.08% | 1.31% | 1.95% | +35 bps | |
| Return on Equity | 3.84% | 4.76% | 2.99% | 16.19% | 11.88% | 10.77% | 12.62% | 18.23% | +205 bps | |
| Net Interest Margin | 3.59% | 3.54% | 3.42% | 3.40% | 3.45% | 3.46% | 3.55% | 4.30% | +90 bps | |
| Efficiency Ratio | 89.33% | 89.07% | 92.32% | 100.73% | 96.93% | 93.22% | 74.14% | 64.25% | -3,648 bps | |
| Non-Interest Burden | 3.16% | 3.11% | 3.13% | 3.42% | 3.33% | 3.20% | 2.47% | 2.50% | -92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.17% | 5.33% | 3.14% | 0.37% | -1.05% | 6.28% | 2.13% | 2.43% | +206 bps | |
| Loan Growth (YoY) | -3.37% | -4.94% | -5.51% | -1.23% | 6.73% | 19.54% | 22.06% | 31.22% | +3,245 bps | |
| Deposit Growth (YoY) | 2.29% | 0.60% | 2.32% | -1.35% | -0.36% | 3.72% | 0.84% | -3.67% | -232 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 | -0.06% | -0.04% | -0.12% | -3.48% | -2.01% | -1.42% | 0.01% | -0.02% | +346 bps | |
| Allowance / Loans | 1.58% | 1.65% | 1.69% | 1.79% | 1.55% | 1.47% | 1.44% | 1.30% | -49 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 | 9.32% | 9.90% | 10.03% | 10.14% | 10.27% | 11.26% | +136 bps | |
| Total Risk-Based Capital | 16.14% | 16.50% | 17.84% | 17.12% | 18.34% | 17.59% | 18.08% | 17.47% | +35 bps | |
| Equity / Assets | 9.28% | 9.50% | 9.70% | 10.31% | 10.55% | 9.96% | 10.78% | 11.32% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.65% | 56.17% | 54.10% | 56.64% | 63.89% | 64.73% | 65.49% | 77.16% | +2,052 bps | |
| Liquid Assets / Assets | 19.49% | 20.33% | 23.01% | 20.61% | 19.34% | 23.15% | 22.34% | 15.44% | -518 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |