Irving, TX · Cert 57787
FDIC · 9 branches
Q2 2017
Market Position · Dallas-Fort Worth-Arlington, TX · 2017 SOD (annual) · 0.2% share · #35 of 160 inst. · $0.6B of $264.8B
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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.74% | 0.72% | 0.74% | 0.79% | 0.82% | 0.79% | 0.90% | +16 bps | |
| Return on Equity | 6.77% | 6.91% | 6.47% | 6.60% | 6.99% | 7.24% | 6.59% | 7.38% | +78 bps | |
| Net Interest Margin | 3.26% | 3.33% | 3.45% | 3.50% | 3.48% | 3.38% | 3.38% | 3.51% | +1 bps | |
| Efficiency Ratio | 64.72% | 62.78% | 63.61% | 62.76% | 62.85% | 63.76% | 64.60% | 63.46% | +70 bps | |
| Non-Interest Burden | 1.96% | 1.94% | 2.17% | 2.13% | 2.11% | 2.09% | 2.15% | 2.19% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.92% | 6.28% | 1.37% | -2.46% | -2.74% | -3.21% | -4.26% | -5.90% | -344 bps | |
| Loan Growth (YoY) | 25.19% | 19.32% | 18.23% | 7.96% | 4.50% | 5.52% | -0.25% | -4.94% | -1,290 bps | |
| Deposit Growth (YoY) | 2.05% | 0.65% | 4.24% | 0.57% | 4.72% | 7.39% | 0.12% | -0.10% | -66 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.18% | 1.21% | +121 bps | |
| Net Charge-Offs / Loans | 0.20% | 0.26% | 0.00% | -0.01% | -0.01% | 0.34% | 0.00% | 0.01% | +2 bps | |
| Allowance / Loans | 1.20% | 1.35% | 1.55% | 1.65% | 1.63% | 1.26% | 1.35% | 1.38% | -27 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 1.1x | 1.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.47% | 10.62% | 11.03% | 11.45% | 11.62% | 11.49% | 11.98% | 12.50% | +105 bps | |
| Total Risk-Based Capital | 12.49% | 12.98% | 13.52% | 13.40% | 13.48% | 13.52% | 14.29% | 14.96% | +156 bps | |
| Equity / Assets | 10.49% | 10.86% | 11.40% | 11.37% | 11.44% | 11.72% | 12.42% | 12.67% | +130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.23% | 101.58% | 98.24% | 101.99% | 100.02% | 99.82% | 97.88% | 97.05% | -494 bps | |
| Liquid Assets / Assets | 13.10% | 12.80% | 12.89% | 13.50% | 12.12% | 10.67% | 10.74% | 13.52% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |