Plano, TX · Cert 58006
FDIC · 43 branches
Q3 2019
Market Position · Dallas-Fort Worth-Arlington, TX · 2019 SOD (annual) · 2.4% share · #7 of 163 inst. · $7.0B of $295.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 1.24% | 1.32% | 1.96% | 2.68% | 1.36% | 1.29% | 1.76% | -21 bps | |
| Return on Equity | 6.18% | 10.62% | 11.21% | 16.37% | 21.20% | 10.53% | 10.29% | 14.62% | -174 bps | |
| Net Interest Margin | 3.88% | 3.87% | 3.99% | 3.99% | 4.12% | 3.87% | 3.84% | 3.70% | -29 bps | |
| Efficiency Ratio | 44.41% | 46.01% | 42.61% | 40.89% | 42.69% | 46.73% | 44.39% | 42.61% | +171 bps | |
| Non-Interest Burden | 1.58% | 1.47% | 1.45% | 1.32% | 1.50% | 1.57% | 1.45% | 1.29% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.65% | 5.09% | 3.11% | 0.16% | -0.33% | 5.41% | 7.41% | 15.23% | +1,508 bps | |
| Loan Growth (YoY) | 9.63% | 6.92% | 4.10% | 0.94% | -0.54% | 5.71% | 8.45% | 16.53% | +1,559 bps | |
| Deposit Growth (YoY) | 6.45% | 9.14% | 4.94% | 0.37% | 1.16% | 1.78% | 2.60% | -2.87% | -324 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.20% | 0.65% | 0.25% | 0.23% | 0.29% | 0.75% | 0.71% | 0.38% | +16 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.65% | 1.38% | 0.04% | -0.06% | -0.01% | 0.07% | 1.17% | +113 bps | |
| Allowance / Loans | 0.91% | 0.98% | 0.81% | 0.85% | 0.87% | 0.96% | 1.06% | 0.73% | -12 bps | |
| Allowance Coverage of NPLs | 0.8x | 1.5x | 3.3x | 3.8x | 3.0x | 1.3x | 1.5x | 1.9x | -1.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.98% | 10.44% | 10.32% | 10.58% | 11.57% | 11.68% | 11.07% | 10.92% | +34 bps | |
| Total Risk-Based Capital | 11.25% | 11.82% | 11.49% | 12.21% | 12.85% | 12.68% | 12.30% | 11.70% | -52 bps | |
| Equity / Assets | 11.47% | 11.95% | 11.68% | 12.32% | 13.00% | 12.78% | 12.24% | 11.82% | -50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 115.15% | 109.13% | 115.77% | 115.24% | 113.21% | 113.34% | 122.36% | 138.27% | +2,303 bps | |
| Liquid Assets / Assets | 4.46% | 4.51% | 3.84% | 3.68% | 3.92% | 3.79% | 3.37% | 3.34% | -34 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |