Dallas, TX · Cert 57667
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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 57667
FDIC
Q2 2009
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.83% | -0.72% | -1.18% | -2.10% | -1.65% | -2.99% | -7.96% | -9.59% | -750 bps | |
| Return on Equity | -8.95% | -8.01% | -14.20% | -25.59% | -20.14% | -39.05% | -182.61% | -305% | -27,977 bps | |
| Net Interest Margin | 3.53% | 3.38% | 2.71% | 2.10% | 2.20% | 1.95% | 0.20% | 0.24% | -186 bps | |
| Efficiency Ratio | 93.82% | 91.48% | 101.83% | 141.28% | 132.77% | 142.21% | 863% | 977% | +83,607 bps | |
| Non-Interest Burden | 3.26% | 3.02% | 2.78% | 3.30% | 3.19% | 3.05% | 3.39% | 4.40% | +110 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 37.50% | 24.49% | 7.60% | -4.14% | -14.72% | -7.48% | 4.64% | 1.40% | +554 bps | |
| Loan Growth (YoY) | 64.79% | 43.19% | 14.33% | -1.55% | -12.72% | -16.23% | -15.78% | -21.32% | -1,977 bps | |
| Deposit Growth (YoY) | 41.75% | 24.30% | 6.57% | -5.27% | -15.86% | -2.74% | 12.42% | 9.92% | +1,519 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 | 1.27% | 0.96% | 0.00% | 0.01% | 0.79% | 1.22% | 1.74% | 8.63% | +862 bps | |
| Allowance / Loans | 0.97% | 1.31% | 1.71% | 2.00% | 1.57% | 2.89% | 4.16% | 3.24% | +124 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 | 10.10% | 10.16% | 10.77% | 10.45% | 10.44% | 8.10% | 5.70% | 1.81% | -865 bps | |
| Equity / Assets | 8.04% | 8.20% | 8.43% | 7.95% | 8.10% | 5.56% | 3.25% | 0.63% | -732 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.38% | 97.08% | 97.09% | 94.82% | 96.86% | 83.61% | 72.74% | 67.88% | -2,695 bps | |
| Liquid Assets / Assets | 0.82% | 0.82% | 0.85% | 0.88% | 0.05% | 2.64% | 15.12% | 24.40% | +2,352 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |