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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.70% | 0.29% | 2.90% | 0.38% | 0.77% | 1.31% | 2.61% | -29 bps | |
| Return on Equity | 5.64% | 7.45% | 2.99% | 28.97% | 3.64% | 7.54% | 12.62% | 23.65% | -532 bps | |
| Net Interest Margin | 3.62% | 3.61% | 3.42% | 3.40% | 3.49% | 3.60% | 3.55% | 4.92% | +151 bps | |
| Efficiency Ratio | 85.04% | 88.30% | 92.32% | 110.81% | 90.11% | 83.42% | 74.14% | 56.77% | -5,404 bps | |
| Non-Interest Burden | 3.05% | 3.14% | 3.13% | 3.74% | 3.10% | 2.92% | 2.47% | 2.44% | -130 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 | 0.01% | 0.02% | -0.12% | -6.86% | 0.46% | -0.07% | 0.01% | -0.05% | +681 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 |