Plano, TX · Cert 35266
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 31, 2010, 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.
Plano, TX · Cert 35266
FDIC
Q4 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.35% | 0.56% | 0.38% | 0.59% | 0.53% | 0.47% | 0.20% | -18 bps | |
| Return on Equity | 2.54% | 3.14% | 5.02% | 3.39% | 4.84% | 4.17% | 3.62% | 1.53% | -186 bps | |
| Net Interest Margin | 2.78% | 2.94% | 3.08% | 3.19% | 3.65% | 3.64% | 3.59% | 3.54% | +35 bps | |
| Efficiency Ratio | 86.42% | 83.51% | 78.06% | 78.16% | 71.73% | 73.11% | 74.98% | 77.21% | -95 bps | |
| Non-Interest Burden | 2.42% | 2.48% | 2.42% | 2.51% | 2.63% | 2.68% | 2.72% | 2.74% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.90% | 33.56% | 25.85% | 15.56% | 4.57% | -9.54% | -6.13% | -10.27% | -2,583 bps | |
| Loan Growth (YoY) | 29.81% | 44.61% | 26.11% | 16.97% | 15.76% | -8.12% | -8.73% | -7.68% | -2,465 bps | |
| Deposit Growth (YoY) | 21.78% | 36.31% | 27.04% | 14.90% | 3.13% | -12.77% | -8.76% | -13.27% | -2,817 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 | 0.00% | 0.33% | 0.30% | 0.34% | 0.47% | 0.36% | 0.27% | 0.34% | 0 bps | |
| Allowance / Loans | 1.20% | 0.95% | 1.01% | 1.09% | 1.09% | 1.12% | 1.22% | 1.37% | +28 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 | 13.45% | 12.90% | 14.37% | 15.73% | 16.44% | 18.54% | 19.00% | 19.31% | +358 bps | |
| Equity / Assets | 10.79% | 11.22% | 11.60% | 11.77% | 12.57% | 14.10% | 13.82% | 14.64% | +288 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.23% | 83.75% | 83.76% | 83.12% | 86.69% | 88.21% | 83.79% | 88.47% | +535 bps | |
| Liquid Assets / Assets | 3.19% | 1.85% | 13.40% | 14.51% | 11.66% | 10.75% | 16.08% | 13.34% | -117 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |