Dallas, TX · Cert 3148
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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 3148
FDIC
Q4 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.23% | 0.24% | 0.27% | -0.20% | -0.09% | -0.03% | -0.23% | -50 bps | |
| Return on Equity | 4.96% | 2.86% | 2.92% | 3.28% | -1.86% | -0.75% | -0.27% | -1.88% | -516 bps | |
| Net Interest Margin | 3.06% | 3.07% | 3.02% | 2.89% | 2.38% | 2.49% | 2.57% | 2.62% | -27 bps | |
| Efficiency Ratio | 80.08% | 79.84% | 80.90% | 83.24% | 101.30% | 96.83% | 93.71% | 104.14% | +2,090 bps | |
| Non-Interest Burden | 2.41% | 2.41% | 2.41% | 2.38% | 2.57% | 2.56% | 2.55% | 2.89% | +51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.24% | -12.17% | -0.87% | -1.52% | 2.26% | 11.13% | 8.49% | -0.06% | +146 bps | |
| Loan Growth (YoY) | -7.21% | -12.75% | -13.67% | -12.79% | -10.21% | 6.53% | 12.43% | 21.14% | +3,393 bps | |
| Deposit Growth (YoY) | 8.82% | -13.40% | -1.27% | -2.35% | -3.89% | 5.84% | 3.07% | -5.66% | -331 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% | 0.21% | 0.94% | 0.72% | 0.01% | 0.00% | 0.00% | 0.00% | -73 bps | |
| Allowance / Loans | 1.18% | 1.55% | 1.24% | 1.25% | 0.06% | 0.12% | 0.20% | 0.28% | -97 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 | 17.93% | 18.79% | 19.61% | 19.85% | 18.60% | 16.36% | 16.31% | 15.52% | -433 bps | |
| Equity / Assets | 8.17% | 8.47% | 8.68% | 8.15% | 13.71% | 12.87% | 13.17% | 13.26% | +511 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.14% | 55.28% | 52.30% | 47.77% | 52.45% | 55.65% | 57.05% | 61.35% | +1,357 bps | |
| Liquid Assets / Assets | 33.79% | 35.02% | 36.71% | 42.21% | 23.72% | 23.68% | 23.65% | 17.45% | -2,477 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |