Dallas, TX · Cert 57667
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | -0.42% | -1.18% | -3.06% | -0.69% | -7.25% | -7.96% | -11.00% | -794 bps | |
| Return on Equity | 7.14% | -5.13% | -14.20% | -37.36% | -8.57% | -106.71% | -182.61% | -555% | -51,786 bps | |
| Net Interest Margin | 3.71% | 3.34% | 2.71% | 1.39% | 2.14% | 1.32% | 0.20% | 0.26% | -113 bps | |
| Efficiency Ratio | 87.67% | 84.66% | 101.83% | 221% | 114.62% | 196.80% | 863% | 1082% | +86,133 bps | |
| Non-Interest Burden | 3.11% | 2.68% | 2.78% | 3.72% | 2.56% | 2.81% | 3.39% | 5.13% | +140 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 | 3.11% | -0.03% | 0.00% | 0.03% | 2.35% | 2.37% | 1.74% | 15.32% | +1,529 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 |