Plano, TX · Cert 33513
FDIC
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.65% | 1.11% | -9.32% | 0.76% | -15.44% | -2.69% | -4.07% | -0.49% | -125 bps | |
| Return on Equity | -21.36% | 13.90% | -125.40% | 11.36% | -294% | -83.96% | -158.95% | -20.20% | -3,156 bps | |
| Net Interest Margin | 2.62% | 3.15% | 3.00% | 3.37% | 2.90% | 2.48% | 2.87% | 2.71% | -66 bps | |
| Efficiency Ratio | 100.30% | 70.29% | 135.68% | 78.34% | 107.43% | 304% | 627% | 111.53% | +3,319 bps | |
| Non-Interest Burden | 2.63% | 2.05% | 3.88% | 2.46% | 3.17% | 5.06% | 6.81% | 3.21% | +75 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.19% | 10.83% | 3.87% | -8.82% | -21.17% | -19.52% | -20.70% | -38.25% | -2,943 bps | |
| Loan Growth (YoY) | 0.85% | -2.10% | -9.07% | -14.49% | -18.19% | -22.93% | -23.89% | -36.82% | -2,234 bps | |
| Deposit Growth (YoY) | 30.76% | 15.11% | 3.48% | -4.13% | -14.47% | -6.76% | -12.10% | -33.70% | -2,957 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 | 1.46% | 0.83% | 2.40% | 1.01% | 9.76% | 6.49% | -0.33% | 0.07% | -93 bps | |
| Allowance / Loans | 1.57% | 1.38% | 3.62% | 3.63% | 6.68% | 5.53% | 6.00% | 7.63% | +400 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 | 10.70% | 11.19% | 9.01% | 9.64% | 5.65% | 4.99% | 4.05% | 4.59% | -506 bps | |
| Equity / Assets | 7.60% | 8.38% | 6.44% | 6.90% | 3.46% | 2.93% | 2.17% | 2.76% | -414 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.22% | 105.94% | 101.58% | 95.00% | 90.12% | 87.57% | 87.95% | 90.52% | -448 bps | |
| Liquid Assets / Assets | 17.81% | 12.30% | 12.32% | 12.67% | 13.66% | 15.83% | 15.04% | 11.23% | -143 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |