Plano, TX · Cert 57760
FDIC · 4 branches
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 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.
Plano, TX · Cert 57760
FDIC · 4 branches
Q3 2014
Market Position · Dallas-Fort Worth-Arlington, TX · 2014 SOD (annual) · 0.1% share · #59 of 168 inst. · $0.2B 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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.59% | 0.57% | 0.54% | 0.52% | 0.22% | 0.43% | 0.51% | -3 bps | |
| Return on Equity | n/a | 5.53% | 5.32% | 5.13% | 5.01% | 2.17% | 4.39% | 5.19% | +6 bps | |
| Net Interest Margin | 3.60% | 3.51% | 3.50% | 3.37% | 3.32% | 3.10% | 3.10% | 2.97% | -40 bps | |
| Efficiency Ratio | 78.90% | 79.71% | 79.83% | 79.39% | 81.20% | 86.73% | 81.66% | 82.62% | +323 bps | |
| Non-Interest Burden | 2.58% | 2.54% | 2.56% | 2.46% | 2.51% | 2.61% | 2.40% | 2.34% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.50% | 8.07% | 12.29% | 2.93% | 5.46% | 6.87% | 10.27% | 14.27% | +1,134 bps | |
| Loan Growth (YoY) | 6.63% | 5.97% | 1.38% | -3.77% | -4.23% | -1.09% | 8.81% | 11.99% | +1,576 bps | |
| Deposit Growth (YoY) | 8.85% | 9.34% | 14.27% | 10.36% | 12.25% | 8.15% | 3.21% | 6.79% | -356 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 | 0.15% | 0.02% | 0.21% | 0.30% | 0.26% | 0.04% | 0.28% | 0.19% | -11 bps | |
| Allowance / Loans | 1.04% | 1.07% | 1.00% | 1.00% | 0.93% | 0.95% | 0.75% | 0.73% | -27 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 | 15.56% | 14.19% | 14.23% | 14.24% | 14.49% | 13.74% | 13.01% | 13.41% | -82 bps | |
| Equity / Assets | 10.74% | 10.66% | 10.46% | 10.12% | 10.23% | 9.94% | 9.51% | 9.33% | -79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.19% | 91.64% | 89.23% | 84.94% | 84.63% | 83.81% | 94.07% | 89.07% | +413 bps | |
| Liquid Assets / Assets | 7.40% | 10.11% | 13.42% | 15.55% | 12.07% | 12.09% | 10.46% | 16.86% | +131 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |