Bartlett, TX · Cert 3089
FDIC · 3 branches
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Bartlett, TX · Cert 3089
FDIC · 3 branches
Q1 2015
Market Position · Dallas-Fort Worth-Arlington, TX · 2014 SOD (annual) · 0.1% share · #77 of 168 inst. · $0.2B of $206.1B
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.98% | 2.04% | 2.01% | 1.95% | 1.60% | -38 bps | |
| Return on Equity | 20.79% | 21.55% | 21.37% | 20.45% | 15.63% | -516 bps | |
| Net Interest Margin | 4.48% | 4.21% | 4.10% | 3.91% | 3.79% | -69 bps | |
| Efficiency Ratio | 60.72% | 60.38% | 60.40% | 61.72% | 66.73% | +601 bps | |
| Non-Interest Burden | 2.38% | 2.19% | 2.12% | 2.05% | 2.23% | -15 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.35% | 14.25% | 16.02% | 12.75% | 0.00% | -1,235 bps | |
| Loan Growth (YoY) | 18.99% | 17.17% | 7.23% | 1.29% | 0.48% | -1,851 bps | |
| Deposit Growth (YoY) | 7.49% | 11.64% | 13.67% | 21.71% | 3.87% | -362 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.04% | 0.03% | 0.10% | 0.03% | -15 bps | |
| Allowance / Loans | 1.30% | 1.34% | 1.34% | 1.27% | 1.24% | -6 bps | |
| Allowance Coverage of NPLs | 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 | 10.21% | n/a | n/a |
| Total Risk-Based Capital | 14.74% | 15.09% | 15.55% | 16.27% | 16.34% | +160 bps | |
| Equity / Assets | 9.35% | 9.41% | 9.20% | 9.90% | 10.61% | +126 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.84% | 79.51% | 75.86% | 76.46% | 82.07% | -277 bps | |
| Liquid Assets / Assets | 5.78% | 9.85% | 18.84% | 16.76% | 12.59% | +680 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |