Dallas, TX · Cert 32460
FDIC · 8 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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 32460
FDIC · 8 branches
Q4 2014
Market Position · Dallas-Fort Worth-Arlington, TX · 2014 SOD (annual) · 0.5% share · #26 of 168 inst. · $1.0B 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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | 0.70% | 0.49% | 0.60% | 0.32% | 0.31% | 0.32% | 0.26% | -34 bps | |
| Return on Equity | 0.54% | 5.23% | 3.71% | 4.52% | 2.38% | 2.32% | 2.37% | 1.89% | -262 bps | |
| Net Interest Margin | 2.90% | 2.93% | 2.90% | 2.86% | 2.69% | 2.76% | 2.79% | 2.89% | +3 bps | |
| Efficiency Ratio | 96.60% | 97.48% | 98.68% | 94.78% | 110.12% | 101.31% | 94.59% | 94.87% | +9 bps | |
| Non-Interest Burden | 2.80% | 2.85% | 2.86% | 2.70% | 2.94% | 2.80% | 2.64% | 2.74% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.48% | -2.69% | -2.70% | -1.55% | -1.12% | -0.91% | -2.96% | -5.75% | -419 bps | |
| Loan Growth (YoY) | -22.34% | -27.47% | -33.76% | -34.74% | -14.31% | 0.22% | 21.48% | 16.80% | +5,153 bps | |
| Deposit Growth (YoY) | -1.52% | -6.46% | -6.62% | -4.94% | -4.82% | 0.68% | -1.76% | -5.70% | -76 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 | -0.08% | 0.01% | -0.07% | -0.07% | -0.16% | -0.18% | -0.08% | -0.08% | -1 bps | |
| Allowance / Loans | 2.84% | 1.99% | 2.25% | 1.76% | 1.43% | 1.28% | 1.16% | 1.23% | -53 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 | 23.26% | 24.77% | 27.28% | 27.43% | 27.37% | 25.58% | 25.62% | 27.21% | -22 bps | |
| Equity / Assets | 13.36% | 13.23% | 13.24% | 13.22% | 13.47% | 13.82% | 14.18% | 14.65% | +142 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.14% | 62.48% | 54.74% | 54.04% | 56.85% | 62.19% | 67.69% | 66.93% | +1,289 bps | |
| Liquid Assets / Assets | 13.84% | 8.71% | 9.51% | 8.91% | 5.96% | 7.16% | 7.94% | 9.04% | +12 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |