Dallas, TX · Cert 57057
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Dallas, TX · Cert 57057
FDIC
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.12% | -1.30% | -1.16% | -1.36% | -1.02% | -1.35% | -1.33% | -1.34% | +3 bps | |
| Return on Equity | -17.85% | -20.56% | -18.23% | -21.71% | -16.54% | -22.13% | -22.36% | -22.89% | -118 bps | |
| Net Interest Margin | 1.99% | 2.12% | 2.16% | 2.12% | 1.90% | 2.22% | 2.24% | 2.28% | +16 bps | |
| Efficiency Ratio | 147.54% | 151.34% | 175.62% | 191.85% | 150.22% | 144.10% | 148.75% | 150.46% | -4,139 bps | |
| Non-Interest Burden | 3.11% | 3.46% | 3.48% | 3.64% | 2.91% | 3.28% | 3.41% | 3.52% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.29% | -19.08% | -14.71% | -14.09% | -19.57% | -22.41% | -21.79% | -22.76% | -867 bps | |
| Loan Growth (YoY) | -32.26% | -31.39% | -30.12% | -17.25% | -17.47% | -19.98% | -18.96% | -22.50% | -526 bps | |
| Deposit Growth (YoY) | -19.79% | -19.42% | -14.79% | -13.88% | -19.75% | -22.17% | -21.16% | -22.12% | -824 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 | 0.24% | 0.14% | 0.61% | 0.87% | -0.89% | 1.62% | 0.96% | 0.76% | -11 bps | |
| Allowance / Loans | 3.24% | 3.52% | 3.34% | 2.99% | 3.32% | 2.99% | 3.26% | 3.47% | +48 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 | 9.97% | 10.35% | 10.89% | 10.13% | 9.98% | 10.20% | 10.47% | 10.40% | +26 bps | |
| Equity / Assets | 6.27% | 6.40% | 6.40% | 6.02% | 6.36% | 5.93% | 5.51% | 5.22% | -80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.28% | 60.68% | 58.18% | 58.52% | 63.02% | 62.39% | 59.81% | 58.23% | -29 bps | |
| Liquid Assets / Assets | 28.92% | 19.41% | 23.88% | 13.10% | 8.39% | 8.03% | 13.95% | 14.76% | +166 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |