Irving, TX · Cert 57476
FDIC · 2 branches
Q2 2015
Market Position · Dallas-Fort Worth-Arlington, TX · 2015 SOD (annual) · 0.0% share · #98 of 160 inst. · $0.1B 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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.50% | 0.53% | 0.81% | 0.89% | 1.00% | 1.11% | -0.43% | -124 bps | |
| Return on Equity | 8.22% | 6.04% | 6.35% | 9.59% | 10.54% | 11.50% | 11.44% | -4.42% | -1,400 bps | |
| Net Interest Margin | 3.58% | 3.45% | 3.40% | 3.35% | 3.59% | 3.58% | 4.00% | 4.10% | +75 bps | |
| Efficiency Ratio | 80.93% | 84.72% | 86.28% | 79.93% | 80.20% | 79.44% | 73.62% | 95.14% | +1,521 bps | |
| Non-Interest Burden | 2.76% | 2.85% | 2.84% | 2.49% | 2.72% | 2.65% | 2.68% | 3.85% | +136 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.97% | 9.60% | 17.66% | 16.86% | 10.99% | 1.06% | -6.26% | -10.66% | -2,753 bps | |
| Loan Growth (YoY) | 5.43% | 8.98% | 9.35% | 16.19% | 22.94% | 21.05% | 20.46% | -0.01% | -1,620 bps | |
| Deposit Growth (YoY) | 1.24% | 8.57% | 16.13% | 18.67% | 14.11% | 0.31% | -7.94% | -12.18% | -3,085 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 | 0.14% | 0.00% | -0.02% | -0.01% | -0.01% | -0.01% | 1.06% | 1.27% | +128 bps | |
| Allowance / Loans | 1.08% | 1.09% | 1.09% | 1.07% | 1.09% | 1.10% | 0.92% | 1.04% | -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 | 9.68% | 9.54% | n/a | |
| Total Risk-Based Capital | 15.94% | 15.32% | 15.27% | 14.41% | 15.09% | 15.25% | 15.19% | 15.57% | +116 bps | |
| Equity / Assets | 8.75% | 8.57% | 8.14% | 8.50% | 8.74% | 9.55% | 9.89% | 9.94% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.99% | 78.25% | 72.38% | 80.07% | 81.87% | 94.43% | 94.70% | 91.16% | +1,110 bps | |
| Liquid Assets / Assets | 12.94% | 15.53% | 21.16% | 14.36% | 16.80% | 6.65% | 8.99% | 11.30% | -306 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |