Fort Worth, TX · Cert 18915
FDIC
Q3 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.21% | 0.26% | 0.40% | 0.62% | 0.85% | 0.70% | 0.54% | 0.70% | +9 bps | |
| Return on Equity | -7.78% | 1.64% | 2.56% | 3.88% | 5.35% | 4.53% | 3.30% | 4.32% | +45 bps | |
| Net Interest Margin | 3.34% | 3.43% | 4.24% | 4.29% | 4.34% | 3.89% | 3.99% | 4.01% | -28 bps | |
| Efficiency Ratio | 137.30% | 88.28% | 78.03% | 81.56% | 77.74% | 79.88% | 83.78% | 79.88% | -168 bps | |
| Non-Interest Burden | 4.42% | 3.06% | 3.31% | 3.50% | 3.35% | 3.04% | 3.35% | 3.21% | -29 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 | 3.47% | -0.13% | 2.16% | -0.15% | -0.13% | -0.11% | -0.13% | -0.13% | +2 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 |