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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.06% | 2.41% | 2.12% | 1.98% | 2.09% | 1.95% | 1.72% | 1.60% | -38 bps | |
| Return on Equity | 20.96% | 25.29% | 22.03% | 20.79% | 22.25% | 20.97% | 18.00% | 15.63% | -516 bps | |
| Net Interest Margin | 4.32% | 4.67% | 4.64% | 4.48% | 4.23% | 4.08% | 3.76% | 3.79% | -69 bps | |
| Efficiency Ratio | 60.76% | 55.14% | 61.37% | 60.72% | 60.06% | 60.44% | 65.61% | 66.73% | +601 bps | |
| Non-Interest Burden | 2.21% | 2.11% | 2.49% | 2.38% | 2.14% | 2.10% | 2.08% | 2.23% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.53% | 4.48% | 4.02% | 12.35% | 14.25% | 16.02% | 12.75% | 0.00% | -1,235 bps | |
| Loan Growth (YoY) | 5.54% | 14.91% | 19.25% | 18.99% | 17.17% | 7.23% | 1.29% | 0.48% | -1,851 bps | |
| Deposit Growth (YoY) | 5.68% | 4.64% | -3.56% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.05% | -0.02% | 0.18% | -0.09% | -0.01% | 0.30% | 0.03% | -15 bps | |
| Allowance / Loans | 1.52% | 1.42% | 1.35% | 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 | 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 | 10.21% | n/a | n/a |
| Total Risk-Based Capital | 15.95% | 15.29% | 14.85% | 14.74% | 15.09% | 15.55% | 16.27% | 16.34% | +160 bps | |
| Equity / Assets | 9.57% | 9.49% | 9.72% | 9.35% | 9.41% | 9.20% | 9.90% | 10.61% | +126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.76% | 80.42% | 91.87% | 84.84% | 79.51% | 75.86% | 76.46% | 82.07% | -277 bps | |
| Liquid Assets / Assets | 6.19% | 3.24% | 0.83% | 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 | n/a | n/a | n/a |