Fort Worth, TX · Cert 18915
FDIC
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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 18915
FDIC
Q3 2013
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.21% | 0.26% | 0.33% | 0.44% | 0.54% | 0.70% | 0.62% | 0.64% | +21 bps | |
| Return on Equity | -13.98% | 1.64% | 2.12% | 2.73% | 3.42% | 4.53% | 3.92% | 4.05% | +133 bps | |
| Net Interest Margin | 3.30% | 3.43% | 3.78% | 3.83% | 3.99% | 3.89% | 3.91% | 3.87% | +3 bps | |
| Efficiency Ratio | 105.71% | 88.28% | 82.55% | 82.18% | 80.97% | 79.88% | 81.79% | 81.15% | -102 bps | |
| Non-Interest Burden | 3.57% | 3.06% | 3.13% | 3.16% | 3.23% | 3.04% | 3.17% | 3.13% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.10% | -1.62% | 10.90% | 1.87% | 20.71% | 14.40% | -1.20% | 12.58% | +1,071 bps | |
| Loan Growth (YoY) | 12.11% | 13.82% | 14.27% | 20.23% | 18.58% | 7.92% | 8.78% | -0.23% | -2,046 bps | |
| Deposit Growth (YoY) | 7.90% | -2.66% | 11.65% | 0.05% | 21.37% | 14.94% | -2.98% | 13.87% | +1,382 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 | 2.13% | -0.13% | 1.01% | 0.60% | 0.41% | -0.11% | -0.12% | -0.13% | -73 bps | |
| Allowance / Loans | 2.09% | 2.03% | 1.58% | 1.61% | 1.63% | 1.73% | 1.72% | 1.87% | +26 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 14.57% | 15.29% | 15.39% | 15.67% | 15.85% | 16.62% | 16.08% | 16.52% | +85 bps | |
| Equity / Assets | 15.72% | 16.22% | 15.25% | 16.69% | 15.25% | 15.76% | 16.82% | 15.81% | -87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.84% | 93.50% | 87.84% | 98.79% | 87.78% | 87.79% | 98.48% | 86.57% | -1,223 bps | |
| Liquid Assets / Assets | 12.88% | 11.52% | 14.15% | 7.96% | 15.93% | 16.15% | 9.42% | 18.77% | +1,082 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |