Fort Worth, TX · Charter 23110
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 · Charter 23110
Q3 2013
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.90% | -1.89% | -1.84% | -2.35% | -3.61% | -2.93% | -2.52% | -2.77% | -43 bps | |
| Return on Equity | -22.48% | -15.01% | -14.41% | -22.25% | -39.71% | -34.91% | -34.68% | -46.58% | -2,433 bps | |
| Net Interest Margin | 2.31% | 2.25% | 2.17% | 2.04% | 1.82% | 1.30% | 1.38% | 1.75% | -30 bps | |
| Efficiency Ratio | 210% | 169.98% | 173.32% | 197.61% | 217% | 271% | 251% | 235% | +3,723 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.66% | -9.00% | -10.78% | -4.90% | 1.59% | 2.38% | 15.30% | 4.02% | +892 bps | |
| Loan Growth (YoY) | 9.51% | -24.11% | -12.05% | -22.85% | -38.96% | -20.60% | -7.80% | 45.16% | +6,801 bps | |
| Share Growth (YoY) | -8.57% | -7.90% | -9.82% | -1.37% | 7.22% | 7.40% | 23.15% | 9.80% | +1,117 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.63% | 20.22% | 9.03% | 0.91% | 11.47% | 6.24% | 10.14% | 0.65% | -26 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 | 4.42% | 5.31% | 5.31% | 3.33% | 3.83% | 3.54% | 3.05% | 0.57% | -275 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.89% | 12.60% | 12.80% | 10.54% | 9.10% | 8.40% | 7.26% | 5.95% | -459 bps | |
| Net Worth / Assets | 12.89% | 12.60% | 12.80% | 10.54% | 9.10% | 8.40% | 7.26% | 5.95% | -459 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.04% | 25.73% | 27.05% | 21.82% | 17.67% | 19.03% | 20.25% | 28.84% | +702 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |