Garland, TX · Cert 25330
FDIC · 23 branches
Q2 2014
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2014 SOD (annual) · 0.2% share · #57 of 226 inst. · $0.6B of $354.1B
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | -0.80% | 0.27% | 0.42% | 0.35% | -0.22% | 0.99% | -0.17% | -59 bps | |
| Return on Equity | 0.03% | -10.67% | 3.41% | 5.23% | 4.23% | -2.56% | 9.98% | -1.63% | -686 bps | |
| Net Interest Margin | 3.68% | 3.60% | 3.09% | 3.05% | 3.10% | 3.34% | 3.19% | 3.18% | +12 bps | |
| Efficiency Ratio | 95.89% | 124.41% | 92.68% | 80.85% | 81.90% | 100.71% | 106.62% | 128.99% | +4,814 bps | |
| Non-Interest Burden | 3.53% | 4.75% | 2.84% | 2.13% | 2.22% | 3.41% | 3.65% | 4.88% | +275 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -22.47% | -21.90% | -20.40% | -16.12% | -17.79% | -22.32% | -24.74% | -23.96% | -785 bps | |
| Loan Growth (YoY) | -22.66% | -28.90% | -33.12% | -33.40% | -37.60% | -36.41% | -39.83% | -50.71% | -1,732 bps | |
| Deposit Growth (YoY) | -22.50% | -20.29% | -18.25% | -13.54% | -17.52% | -23.48% | -26.67% | -25.46% | -1,192 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 | 1.47% | 2.26% | 3.35% | 2.97% | 2.45% | 2.13% | 1.23% | 4.48% | +150 bps | |
| Allowance / Loans | 7.84% | 7.75% | 7.65% | 8.19% | 9.38% | 10.15% | 10.37% | 11.51% | +331 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 | 17.91% | 18.01% | 20.03% | 22.19% | 24.99% | 24.53% | 27.15% | 33.14% | +1,095 bps | |
| Equity / Assets | 8.30% | 7.71% | 8.01% | 8.51% | 9.20% | 9.44% | 10.45% | 10.75% | +224 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.28% | 61.41% | 57.36% | 55.59% | 52.41% | 51.03% | 47.06% | 36.75% | -1,883 bps | |
| Liquid Assets / Assets | 20.33% | 25.86% | 29.81% | 32.51% | 32.94% | 19.90% | 11.11% | 7.04% | -2,547 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |