Dallas, TX · Cert 57650
FDIC · 2 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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 57650
FDIC · 2 branches
Q4 2014
Market Position · Dallas-Fort Worth-Arlington, TX · 2014 SOD (annual) · 0.0% share · #105 of 168 inst. · $0.1B of $206.1B
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.49% | 0.88% | 0.90% | 1.33% | 1.60% | 1.27% | 1.06% | +16 bps | |
| Return on Equity | 1.91% | 2.68% | 4.77% | 4.79% | 6.70% | 8.10% | 6.44% | 5.36% | +58 bps | |
| Net Interest Margin | 3.73% | 3.94% | 4.34% | 4.34% | 5.00% | 4.57% | 4.32% | 4.46% | +11 bps | |
| Efficiency Ratio | 90.92% | 87.94% | 79.86% | 79.74% | 73.72% | 83.01% | 81.87% | 82.20% | +246 bps | |
| Non-Interest Burden | 3.38% | 3.45% | 3.43% | 3.41% | 3.66% | 3.77% | 3.50% | 3.61% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.92% | -6.52% | 9.77% | -5.96% | -1.99% | 3.46% | 0.50% | 1.73% | +769 bps | |
| Loan Growth (YoY) | 2.01% | 15.17% | 13.09% | 6.89% | 10.17% | -8.22% | 4.58% | 10.83% | +394 bps | |
| Deposit Growth (YoY) | -7.83% | -8.86% | 10.97% | -8.40% | -4.09% | 2.34% | -0.51% | -0.09% | +831 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 | -0.26% | -0.20% | -0.22% | -0.20% | -0.15% | -1.25% | -0.68% | -0.53% | -33 bps | |
| Allowance / Loans | 1.89% | 1.71% | 1.80% | 1.84% | 1.90% | 2.06% | 1.79% | 1.73% | -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 | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 26.61% | 23.66% | 24.65% | 24.50% | 24.71% | 26.67% | 24.05% | 23.26% | -124 bps | |
| Equity / Assets | 18.58% | 18.64% | 18.90% | 19.73% | 20.11% | 19.44% | 19.50% | 19.98% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.14% | 104.01% | 101.70% | 106.34% | 105.84% | 93.28% | 106.91% | 117.97% | +1,162 bps | |
| Liquid Assets / Assets | 19.18% | 10.29% | 12.67% | 10.64% | 11.54% | 21.04% | 10.59% | 3.69% | -695 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |