Dallas, TX · Charter 22809
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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 22809
Q3 2014
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.74% | -1.19% | -1.21% | -1.33% | -1.47% | -1.10% | -0.47% | -292% | -29,070 bps | |
| Return on Equity | -6.84% | -10.92% | -11.08% | -12.17% | -13.90% | -10.53% | -4.53% | -3879% | -386,662 bps | |
| Net Interest Margin | 2.20% | 1.81% | 1.66% | 1.69% | 1.56% | 1.46% | 1.35% | 145.71% | +14,403 bps | |
| Efficiency Ratio | 132.01% | 163.33% | 171.09% | 177.34% | 192.63% | 175.17% | 134.97% | 300% | +12,308 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.18% | -5.56% | -9.71% | -10.64% | -10.62% | -8.03% | -4.98% | -99.26% | -8,862 bps | |
| Loan Growth (YoY) | -35.18% | -27.01% | -29.28% | -39.87% | -27.62% | -41.22% | -43.97% | -100.00% | -6,013 bps | |
| Share Growth (YoY) | -1.66% | -5.04% | -9.66% | -9.17% | -10.37% | -7.52% | -4.24% | -99.23% | -9,007 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 22.93% | 15.39% | 15.36% | 14.14% | 14.93% | 16.36% | 14.41% | n/a | n/a | |
| 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 | 11.91% | 11.08% | 12.23% | 14.17% | 16.13% | 18.37% | 21.29% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 10.79% | 10.91% | 10.97% | 10.94% | 10.59% | 10.42% | 10.46% | 7.53% | -341 bps | |
| Net Worth / Assets | 10.79% | 10.91% | 10.97% | 10.94% | 10.59% | 10.42% | 10.46% | 7.53% | -341 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.62% | 23.62% | 22.15% | 19.73% | 17.46% | 15.02% | 12.96% | 0.00% | -1,973 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |