Dallas, TX · Cert 21674
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 31, 2010, 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.
Dallas, TX · Cert 21674
FDIC
Q4 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.39% | 0.03% | -0.17% | -0.10% | -0.05% | 0.42% | 0.42% | 0.47% | +57 bps | |
| Return on Equity | -2.95% | 0.23% | -1.36% | -0.86% | -0.45% | 3.72% | 3.63% | 4.00% | +487 bps | |
| Net Interest Margin | 2.63% | 2.41% | 2.29% | 2.09% | 2.40% | 2.56% | 2.50% | 2.40% | +32 bps | |
| Efficiency Ratio | 75.56% | 81.48% | 80.95% | 79.21% | 66.21% | 66.47% | 67.79% | 67.80% | -1,141 bps | |
| Non-Interest Burden | 1.77% | 1.85% | 1.75% | 1.54% | 1.36% | 1.47% | 1.49% | 1.42% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.59% | 10.49% | 27.71% | 38.58% | 13.57% | 3.97% | 1.29% | -5.54% | -4,412 bps | |
| Loan Growth (YoY) | 4.49% | -3.39% | -6.58% | -12.22% | -13.92% | -11.41% | -10.26% | -7.63% | +459 bps | |
| Deposit Growth (YoY) | 5.74% | 6.25% | 16.75% | 17.54% | 5.15% | 3.53% | 5.12% | 3.75% | -1,379 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 | 0.68% | 0.75% | 0.70% | 0.81% | 0.93% | 0.81% | 0.71% | 0.55% | -26 bps | |
| Allowance / Loans | 2.08% | 1.83% | 2.34% | 2.41% | 2.80% | 2.42% | 2.39% | 2.48% | +8 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 | 10.76% | 10.73% | 10.71% | 10.62% | 11.26% | 11.72% | 12.04% | 12.26% | +164 bps | |
| Equity / Assets | 12.71% | 11.75% | 11.21% | 10.52% | 11.80% | 12.07% | 12.12% | 12.08% | +155 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.66% | 82.46% | 75.96% | 70.87% | 71.76% | 70.56% | 64.84% | 63.10% | -777 bps | |
| Liquid Assets / Assets | 0.24% | 0.21% | 0.20% | 0.18% | 1.43% | 2.48% | 2.88% | 2.83% | +265 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |