Fort Worth, TX · Cert 18812
FDIC · 17 branches
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, 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.
Fort Worth, TX · Cert 18812
FDIC · 17 branches
Q4 2017
Market Position · Dallas-Fort Worth-Arlington, TX · 2017 SOD (annual) · 0.7% share · #17 of 160 inst. · $1.8B of $264.8B
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 0.96% | 1.03% | 1.06% | 0.81% | 0.95% | 1.05% | 0.24% | -82 bps | |
| Return on Equity | 7.41% | 7.59% | 8.13% | 8.38% | 6.49% | 7.44% | 8.25% | 1.67% | -671 bps | |
| Net Interest Margin | 3.85% | 3.74% | 3.60% | 3.54% | 3.70% | 3.63% | 3.54% | 1.01% | -253 bps | |
| Efficiency Ratio | 65.14% | 62.48% | 60.86% | 60.20% | 64.05% | 59.22% | 55.99% | 34.78% | -2,542 bps | |
| Non-Interest Burden | 2.20% | 2.01% | 1.87% | 1.81% | 2.12% | 1.87% | 1.70% | 0.24% | -157 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.16% | 17.18% | 21.41% | 21.64% | 24.06% | 23.77% | 25.93% | 35.72% | +1,407 bps | |
| Loan Growth (YoY) | 10.09% | 19.81% | 23.34% | 20.26% | 23.09% | 26.33% | 28.79% | 33.83% | +1,357 bps | |
| Deposit Growth (YoY) | 5.25% | 6.51% | 11.34% | 18.30% | 21.06% | 26.70% | 24.24% | 10.36% | -793 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | +1 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.01% | 0.00% | 0.00% | -0.01% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 0.99% | 0.96% | 0.96% | 0.95% | 0.95% | 0.91% | 0.92% | 0.10% | -86 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 128.5x | 138.6x | 150.9x | 12.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.42% | 11.84% | 11.40% | 11.53% | 11.93% | 12.72% | 12.06% | 12.23% | +71 bps | |
| Total Risk-Based Capital | 12.15% | 12.24% | 12.31% | 12.37% | 12.26% | 12.32% | 11.99% | 11.02% | -135 bps | |
| Equity / Assets | 12.70% | 12.77% | 12.57% | 12.40% | 12.66% | 13.16% | 12.64% | 18.66% | +626 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 113.34% | 119.77% | 115.79% | 108.58% | 115.24% | 119.42% | 120.03% | 131.67% | +2,309 bps | |
| Liquid Assets / Assets | 2.99% | 3.45% | 4.68% | 8.27% | 5.74% | 3.24% | 4.47% | 4.12% | -414 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |