Plano, TX · Cert 33513
FDIC
Q2 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.39% | 0.00% | -9.32% | -4.40% | -7.89% | -6.69% | -4.07% | -2.47% | +193 bps | |
| Return on Equity | -4.79% | 0.06% | -125.40% | -60.51% | -123.25% | -115.70% | -158.95% | -94.52% | -3,401 bps | |
| Net Interest Margin | 2.87% | 2.92% | 3.00% | 3.27% | 3.25% | 3.15% | 2.87% | 3.12% | -16 bps | |
| Efficiency Ratio | 89.46% | 84.36% | 135.68% | 100.30% | 102.71% | 123.18% | 627% | 201% | +10,043 bps | |
| Non-Interest Burden | 2.51% | 2.38% | 3.88% | 3.28% | 3.35% | 3.87% | 6.81% | 5.79% | +250 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 | 0.85% | 0.85% | 2.40% | 1.77% | 4.54% | 5.27% | -0.33% | -0.17% | -194 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 |