Dallas, TX · Cert 57378
FDIC · 2 branches
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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 57378
FDIC · 2 branches
Q3 2015
Market Position · Dallas-Fort Worth-Arlington, TX · 2015 SOD (annual) · 0.2% share · #39 of 160 inst. · $0.5B of $230.0B
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 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.39% | 0.43% | 0.49% | 0.51% | 0.74% | 0.76% | 0.60% | +12 bps | |
| Return on Equity | 7.74% | 5.42% | 6.00% | 6.74% | 7.10% | 10.25% | 10.74% | 8.52% | +178 bps | |
| Net Interest Margin | 1.78% | 1.90% | 1.91% | 1.95% | 1.93% | 2.29% | 2.14% | 2.04% | +9 bps | |
| Efficiency Ratio | 75.44% | 80.60% | 78.85% | 76.58% | 75.83% | 65.96% | 66.38% | 71.91% | -467 bps | |
| Non-Interest Burden | 1.30% | 1.50% | 1.47% | 1.45% | 1.42% | 1.42% | 1.34% | 1.40% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.49% | -1.21% | -6.88% | 0.06% | 3.25% | 8.38% | 14.30% | 9.94% | +988 bps | |
| Loan Growth (YoY) | 13.19% | 14.10% | 12.49% | 6.80% | 16.02% | 20.88% | 18.12% | 18.45% | +1,166 bps | |
| Deposit Growth (YoY) | -5.82% | -1.10% | -2.57% | 5.22% | 8.45% | 13.13% | 17.84% | 21.66% | +1,644 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.15% | 1.13% | 1.14% | 1.09% | 1.00% | 0.99% | 1.02% | 0.98% | -11 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 | 7.49% | 7.12% | 7.31% | n/a | |
| Total Risk-Based Capital | 17.58% | 17.39% | 17.77% | 16.50% | 15.03% | 13.87% | 14.75% | 13.71% | -279 bps | |
| Equity / Assets | 7.19% | 7.11% | 7.23% | 7.30% | 7.38% | 7.01% | 6.83% | 7.13% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.16% | 52.36% | 49.46% | 50.90% | 56.87% | 55.94% | 49.58% | 49.56% | -134 bps | |
| Liquid Assets / Assets | 39.48% | 42.84% | 45.87% | 39.44% | 33.36% | 36.91% | 42.01% | 39.19% | -26 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |