Dallas, TX · Charter 21747
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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 · Charter 21747
Q3 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.14% | 0.56% | 0.62% | 0.36% | 0.55% | 0.27% | 0.12% | 0.25% | -11 bps | |
| Return on Equity | -1.86% | 6.96% | 7.82% | 4.62% | 7.70% | 3.79% | 1.83% | 3.28% | -134 bps | |
| Net Interest Margin | 5.82% | 5.24% | 5.04% | 5.21% | 5.01% | 4.22% | 4.66% | 5.17% | -3 bps | |
| Efficiency Ratio | 110.83% | 86.50% | 89.84% | 91.90% | 88.74% | 96.15% | 97.72% | 91.50% | -40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 102.81% | 93.36% | 4.79% | 8.54% | 10.26% | 6.03% | -4.77% | -10.89% | -1,943 bps | |
| Loan Growth (YoY) | 49.82% | 38.82% | -5.04% | -5.43% | -10.93% | -8.87% | -7.92% | -10.31% | -488 bps | |
| Share Growth (YoY) | 103.40% | 90.50% | 1.66% | 10.13% | 8.82% | 6.79% | -2.63% | -11.36% | -2,149 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 0.29% | 0.19% | 0.27% | 3.26% | 4.48% | 4.73% | 5.07% | +479 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.70% | 1.92% | 1.64% | 1.78% | 1.83% | 1.87% | 1.87% | 2.31% | +53 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.58% | 8.06% | 7.91% | 7.82% | 7.17% | 7.24% | 6.80% | 7.55% | -27 bps | |
| Net Worth / Assets | 7.58% | 8.06% | 7.91% | 7.82% | 7.17% | 7.24% | 6.80% | 7.55% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.71% | 69.92% | 68.51% | 66.63% | 62.78% | 59.66% | 64.79% | 67.43% | +79 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |