Dallas, TX · Cert 34196
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 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.88% | -0.51% | -0.93% | -3.49% | -2.97% | -209 bps | |
| Return on Equity | -17.02% | -9.56% | -17.16% | -64.14% | -57.31% | -4,028 bps | |
| Net Interest Margin | 2.54% | 2.64% | 2.60% | 1.64% | 1.51% | -103 bps | |
| Efficiency Ratio | 133.66% | 151.21% | 174.17% | n/a | 1078% | +94,398 bps | |
| Non-Interest Burden | 3.39% | 3.87% | 4.26% | 5.13% | 4.50% | +111 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -22.49% | -32.27% | -35.28% | -30.69% | -25.74% | -325 bps | |
| Loan Growth (YoY) | -40.93% | -47.13% | -48.59% | -42.27% | -41.11% | -18 bps | |
| Deposit Growth (YoY) | -25.96% | -35.25% | -32.69% | -25.25% | -17.15% | +882 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 4.61% | 4.42% | 4.60% | 4.05% | 2.73% | -188 bps | |
| Allowance / Loans | 3.05% | 3.54% | 3.25% | 2.48% | 2.54% | -51 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 9.45% | 11.19% | 11.23% | 10.63% | 10.54% | +109 bps | |
| Equity / Assets | 5.51% | 5.85% | 5.83% | 5.06% | 4.66% | -85 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.15% | 75.53% | 70.38% | 64.88% | 57.68% | -2,347 bps | |
| Liquid Assets / Assets | 9.86% | 14.00% | 13.84% | 19.72% | 37.52% | +2,767 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |