Bedford, TX · Cert 57027
FDIC · 1 branch
Q4 2014
Market Position · Dallas-Fort Worth-Arlington, TX · 2014 SOD (annual) · 0.1% share · #101 of 168 inst. · $0.1B 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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.07% | 1.20% | 1.16% | 1.13% | 0.77% | -30 bps | |
| Return on Equity | 10.32% | 10.59% | 10.23% | 9.96% | 7.02% | -329 bps | |
| Net Interest Margin | 3.61% | 3.84% | 3.83% | 3.64% | 3.37% | -25 bps | |
| Efficiency Ratio | 52.86% | 52.71% | 55.09% | 55.74% | 68.01% | +1,515 bps | |
| Non-Interest Burden | 1.84% | 1.96% | 2.05% | 1.97% | 2.25% | +42 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.49% | -8.26% | -2.99% | 1.63% | 19.18% | +2,367 bps | |
| Loan Growth (YoY) | -2.46% | -0.96% | -9.20% | -7.37% | -4.26% | -180 bps | |
| Deposit Growth (YoY) | -5.69% | -9.97% | -4.13% | 1.04% | 20.59% | +2,628 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.95% | 1.99% | 2.05% | 2.07% | 2.08% | +13 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 | 21.64% | 22.14% | 23.07% | 23.96% | 23.85% | +221 bps | |
| Equity / Assets | 11.04% | 11.70% | 11.18% | 11.29% | 9.68% | -137 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 63.71% | 65.93% | 59.27% | 58.03% | 50.58% | -1,313 bps | |
| Liquid Assets / Assets | 29.87% | 27.95% | 34.78% | 36.30% | 50.43% | +2,056 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |