Dallas, TX · Cert 57187
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 | 1.26% | 1.26% | 1.23% | 1.26% | 1.10% | 1.07% | 1.10% | -0.23% | -149 bps | |
| Return on Equity | 10.84% | 10.75% | 10.46% | 10.70% | 9.47% | 9.31% | 9.57% | -2.02% | -1,272 bps | |
| Net Interest Margin | 3.52% | 3.43% | 3.40% | 3.35% | 3.18% | 3.11% | 3.07% | 3.06% | -29 bps | |
| Efficiency Ratio | 64.82% | 64.87% | 65.46% | 64.65% | 67.60% | 68.04% | 67.16% | 106.70% | +4,204 bps | |
| Non-Interest Burden | 2.24% | 2.18% | 2.19% | 2.12% | 2.05% | 2.04% | 1.99% | 3.28% | +116 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.00% | 4.70% | 3.61% | 3.99% | 5.50% | 5.86% | 7.00% | 2.10% | -188 bps | |
| Loan Growth (YoY) | -1.02% | 2.89% | 2.02% | 3.17% | -1.69% | 0.45% | 1.47% | 0.41% | -276 bps | |
| Deposit Growth (YoY) | 1.62% | 3.06% | 2.63% | 4.02% | 7.40% | 7.38% | 8.44% | 4.45% | +43 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 | -0.03% | -0.14% | -0.10% | -0.09% | -0.04% | -0.07% | -0.05% | -0.03% | +5 bps | |
| Allowance / Loans | 1.47% | 1.56% | 1.55% | 1.56% | 1.59% | 1.60% | 1.57% | 1.59% | +3 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 | 21.75% | 22.31% | 22.12% | 22.58% | 22.25% | 22.17% | 22.16% | 20.50% | -208 bps | |
| Equity / Assets | 11.63% | 11.97% | 11.93% | 11.87% | 11.46% | 11.29% | 11.23% | 10.49% | -139 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.36% | 73.16% | 72.80% | 71.08% | 67.15% | 68.44% | 68.12% | 68.33% | -275 bps | |
| Liquid Assets / Assets | 14.78% | 18.60% | 20.20% | 23.79% | 22.98% | 22.35% | 26.16% | 25.76% | +197 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |