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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.03% | 1.18% | 1.00% | 1.20% | 1.13% | 1.06% | -0.18% | -118 bps | |
| Return on Equity | 10.50% | 10.22% | 11.28% | 9.17% | 10.59% | 9.86% | 9.45% | -1.75% | -1,092 bps | |
| Net Interest Margin | 3.62% | 3.73% | 3.68% | 3.69% | 3.84% | 3.85% | 3.60% | 3.29% | -40 bps | |
| Efficiency Ratio | 50.28% | 51.83% | 49.67% | 59.62% | 52.71% | 57.44% | 57.05% | 106.28% | +4,667 bps | |
| Non-Interest Burden | 1.76% | 1.87% | 1.71% | 2.15% | 1.96% | 2.15% | 2.00% | 3.50% | +135 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.56% | 11.95% | 4.86% | -4.49% | -8.26% | -2.99% | 1.63% | 19.18% | +2,367 bps | |
| Loan Growth (YoY) | 13.73% | 22.81% | 13.31% | -2.46% | -0.96% | -9.20% | -7.37% | -4.26% | -180 bps | |
| Deposit Growth (YoY) | 7.86% | 12.50% | 4.45% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.72% | 1.71% | 1.85% | 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 | 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 | 20.73% | 20.39% | 21.64% | 21.64% | 22.14% | 23.07% | 23.96% | 23.85% | +221 bps | |
| Equity / Assets | 10.02% | 10.11% | 10.75% | 11.04% | 11.70% | 11.18% | 11.29% | 9.68% | -137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.93% | 62.57% | 63.30% | 63.71% | 65.93% | 59.27% | 58.03% | 50.58% | -1,313 bps | |
| Liquid Assets / Assets | 38.46% | 35.39% | 36.14% | 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 | n/a | n/a | n/a |