Coppell, TX · Cert 57826
FDIC
Q2 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2010, the quarter ended June 30, 2010, 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.
Coppell, TX · Cert 57826
FDIC
Q2 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.35% | -3.41% | -3.19% | -3.18% | -2.94% | -4.70% | -3.77% | -3.40% | -22 bps | |
| Return on Equity | -42.10% | -40.44% | -30.32% | -30.56% | -28.18% | -46.91% | -47.14% | -42.33% | -1,177 bps | |
| Net Interest Margin | 2.57% | 2.33% | 1.51% | 1.86% | 2.05% | 2.25% | 2.34% | 2.75% | +90 bps | |
| Efficiency Ratio | 154.17% | 176.59% | 277% | 263% | 239% | 229% | 234% | 214% | -4,824 bps | |
| Non-Interest Burden | 4.09% | 4.19% | 4.47% | 5.17% | 5.16% | 5.48% | 5.91% | 6.26% | +108 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.93% | -8.06% | -13.73% | -15.88% | -30.21% | -22.49% | -21.98% | -29.09% | -1,321 bps | |
| Loan Growth (YoY) | -6.43% | -23.47% | -26.84% | -27.83% | -28.04% | -24.51% | -25.53% | -24.14% | +368 bps | |
| Deposit Growth (YoY) | 23.60% | -10.28% | -15.11% | -18.45% | -34.10% | -20.49% | -19.72% | -27.95% | -951 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 | 1.52% | 1.30% | 4.50% | 2.70% | 1.61% | 3.25% | -0.69% | 0.82% | -188 bps | |
| Allowance / Loans | 2.74% | 3.15% | 2.31% | 2.36% | 2.63% | 3.78% | 4.43% | 4.10% | +174 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 | 9.41% | 15.78% | 15.96% | 15.11% | 14.41% | 12.10% | 11.64% | 11.30% | -381 bps | |
| Equity / Assets | 6.02% | 10.44% | 10.63% | 10.13% | 10.50% | 8.13% | 7.86% | 8.12% | -201 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.58% | 81.40% | 82.29% | 78.11% | 83.62% | 77.28% | 76.34% | 82.25% | +413 bps | |
| Liquid Assets / Assets | 4.10% | 11.17% | 4.12% | 4.16% | 4.58% | 14.52% | 7.41% | 6.07% | +191 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |