Dallas, TX · Cert 26222
FDIC · 2 branches
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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 26222
FDIC · 2 branches
Q1 2016
Market Position · Dallas-Fort Worth-Arlington, TX · 2015 SOD (annual) · 0.0% share · #124 of 160 inst. · $0.1B of $230.0B
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.93% | 1.94% | 1.98% | 2.02% | 2.05% | 2.13% | 2.19% | 1.91% | -10 bps | |
| Return on Equity | 13.34% | 13.45% | 13.94% | 14.50% | 14.69% | 15.23% | 15.59% | 12.58% | -192 bps | |
| Net Interest Margin | 5.52% | 5.52% | 5.47% | 5.74% | 5.71% | 5.67% | 5.66% | 5.49% | -25 bps | |
| Efficiency Ratio | 68.80% | 69.13% | 67.81% | 64.86% | 65.59% | 65.27% | 64.29% | 67.73% | +286 bps | |
| Non-Interest Burden | 3.61% | 3.63% | 3.56% | 3.55% | 3.58% | 3.54% | 3.47% | 3.60% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.26% | 14.17% | 11.06% | 6.16% | 7.73% | 5.30% | -1.02% | -5.95% | -1,211 bps | |
| Loan Growth (YoY) | 6.54% | 19.35% | 12.77% | 16.37% | 14.42% | 6.06% | -5.16% | -6.95% | -2,332 bps | |
| Deposit Growth (YoY) | 15.32% | 11.79% | 10.54% | -0.45% | 6.30% | 3.44% | 1.53% | -3.20% | -274 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 | 0.18% | 0.11% | 0.08% | -0.03% | -0.02% | -0.01% | -0.01% | 0.00% | +3 bps | |
| Allowance / Loans | 1.39% | 1.26% | 1.24% | 1.35% | 1.32% | 1.30% | 1.37% | 1.45% | +10 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 | 13.67% | 13.84% | 13.69% | 13.98% | 14.83% | +116 bps | |
| Total Risk-Based Capital | 19.58% | 18.27% | 18.02% | 18.83% | 18.25% | 17.69% | 18.88% | 20.26% | +143 bps | |
| Equity / Assets | 14.38% | 14.06% | 13.61% | 14.24% | 13.95% | 14.06% | 14.54% | 15.96% | +172 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.25% | 114.89% | 115.56% | 119.41% | 112.22% | 117.79% | 107.94% | 114.78% | -463 bps | |
| Liquid Assets / Assets | 7.19% | 1.49% | 0.93% | 0.13% | 2.72% | 1.79% | 4.95% | 2.23% | +210 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |