Colleyville, TX · Cert 57362
FDIC
Q2 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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.31% | 0.47%1 | 0.87% | 0.70% | 0.58% | 0.43% | -0.63% | -150 bps | |
| Return on Equity | 3.16% | 3.13% | 4.64% | 8.52% | 6.70% | 5.56% | 3.88% | -5.86% | -1,438 bps | |
| Net Interest Margin | 3.44% | 3.28% | 3.09% | 2.88% | 2.98% | 3.04% | 3.09% | 2.87% | -1 bps | |
| Efficiency Ratio | 92.22% | 94.21% | 100.78% | 103.67% | 100.16% | 100.58% | 86.42% | 127.78% | +2,411 bps | |
| Non-Interest Burden | 3.13% | 3.06% | 3.12% | 3.00% | 2.99% | 3.06% | 2.62% | 3.75% | +75 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.28% | 3.61% | 4.97% | 9.44% | -2.34% | -3.46% | -2.18% | -5.01% | -1,445 bps | |
| Loan Growth (YoY) | -39.09% | -28.00% | -17.30% | -9.36% | 1.72% | 2.03% | 1.99% | -7.40% | +196 bps | |
| Deposit Growth (YoY) | -10.39% | 4.03% | 5.94% | 11.01% | -3.19% | -4.32% | -2.78% | -4.42% | -1,543 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 | -0.09% | 0.59% | 0.00% | -0.01% | 0.03% | 0.30% | -0.02% | 0.04% | +5 bps | |
| Allowance / Loans | 3.60% | 2.93% | 2.95% | 2.02% | 1.98% | 1.69% | 1.70% | 1.84% | -19 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 | 22.04% | 21.76% | 21.21% | 22.99% | 22.42% | 22.27% | 23.00% | 23.89% | +89 bps | |
| Equity / Assets | 10.02% | 9.87% | 10.22% | 10.44% | 11.14% | 10.93% | 11.23% | 10.21% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.55% | 55.05% | 57.06% | 55.84% | 59.41% | 58.71% | 59.86% | 54.10% | -174 bps | |
| Liquid Assets / Assets | 28.43% | 23.79% | 14.56% | 31.80% | 22.46% | 21.86% | 21.32% | 26.47% | -533 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |