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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.10% | -1.65% | -2.99% | -7.96% | -9.59% | -750 bps | |
| Return on Equity | -25.59% | -20.14% | -39.05% | -182.61% | -305% | -27,977 bps | |
| Net Interest Margin | 2.10% | 2.20% | 1.95% | 0.20% | 0.24% | -186 bps | |
| Efficiency Ratio | 141.28% | 132.77% | 142.21% | 863% | 977% | +83,607 bps | |
| Non-Interest Burden | 3.30% | 3.19% | 3.05% | 3.39% | 4.40% | +110 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.14% | -14.72% | -7.48% | 4.64% | 1.40% | +554 bps | |
| Loan Growth (YoY) | -1.55% | -12.72% | -16.23% | -15.78% | -21.32% | -1,977 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.79% | 1.22% | 1.74% | 8.63% | +862 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.45% | 10.44% | 8.10% | 5.70% | 1.81% | -865 bps | |
| Equity / Assets | 7.95% | 8.10% | 5.56% | 3.25% | 0.63% | -732 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.82% | 96.86% | 83.61% | 72.74% | 67.88% | -2,695 bps | |
| Liquid Assets / Assets | 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 |