Dallas, TX · Cert 26283
FDIC
Q1 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.16% | 1.49% | 1.27% | 1.16% | 0.26% | -2.85% | 0.19% | -108 bps | |
| Return on Equity | 9.59% | 9.98% | 13.12% | 10.90% | 9.35% | 1.99% | -22.07% | 1.47% | -942 bps | |
| Net Interest Margin | 3.62% | 3.39% | 3.29% | 3.20% | 3.42% | 3.07% | 3.00% | 2.86% | -35 bps | |
| Efficiency Ratio | 46.76% | 66.17% | 52.78% | 61.55% | 58.04% | 77.78% | 84.25% | 87.98% | +2,644 bps | |
| Non-Interest Burden | 1.50% | 2.04% | 1.51% | 1.81% | 1.85% | 2.31% | 2.47% | 2.46% | +65 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.20% | 8.07% | 20.13% | 5.03% | -5.80% | -9.14% | -17.06% | -8.25% | -1,328 bps | |
| Loan Growth (YoY) | 3.88% | -4.06% | -1.97% | -6.21% | -7.02% | -11.20% | -15.22% | -18.10% | -1,189 bps | |
| Deposit Growth (YoY) | 26.75% | 28.91% | 33.88% | 5.86% | -6.44% | -9.03% | -17.46% | -7.40% | -1,326 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 | 1.16% | 0.11% | 1.11% | 0.05% | -0.30% | 0.03% | 9.01% | -0.32% | -38 bps | |
| Allowance / Loans | 1.81% | 1.87% | 1.68% | 1.78% | 2.02% | 2.32% | 1.39% | 1.67% | -11 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 | 13.65% | 14.22% | 14.49% | 15.36% | 15.69% | 16.64% | 16.01% | 17.31% | +195 bps | |
| Equity / Assets | 11.68% | 11.61% | 11.12% | 12.25% | 12.66% | 13.00% | 12.81% | 12.78% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.18% | 88.51% | 83.28% | 88.56% | 89.63% | 86.40% | 85.54% | 78.32% | -1,024 bps | |
| Liquid Assets / Assets | 15.13% | 13.76% | 20.43% | 18.85% | 17.89% | 19.95% | 20.31% | 24.11% | +526 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |