Fort Worth, TX · Cert 58050
FDIC · 14 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.
Fort Worth, TX · Cert 58050
FDIC · 14 branches
Q3 2014
Market Position · Dallas-Fort Worth-Arlington, TX · 2014 SOD (annual) · 0.4% share · #28 of 168 inst. · $0.8B 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 | 0.51% | 0.70%1 | 0.50% | 0.57% | 0.58% | 0.54% | 0.52% | 0.57% | -1 bps | |
| Return on Equity | n/a | 4.71% | 3.43% | 4.06% | 4.10% | 3.89% | 3.75% | 4.00% | -7 bps | |
| Net Interest Margin | 3.09% | 2.86% | 2.87% | 2.93% | 2.87% | 2.92% | 2.91% | 2.96% | +3 bps | |
| Efficiency Ratio | 78.51% | 82.64% | 81.07% | 78.30% | 77.52% | 75.97% | 76.53% | 75.42% | -288 bps | |
| Non-Interest Burden | 2.21% | 2.15% | 2.12% | 2.08% | 2.01% | 2.02% | 2.02% | 2.01% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.88% | -6.50% | -2.07% | 12.98% | 10.66% | 9.05% | 4.83% | -7.60% | -2,058 bps | |
| Loan Growth (YoY) | 9.48% | 4.18% | 7.06% | 17.19% | 10.90% | 7.22% | -2.12% | -10.87% | -2,806 bps | |
| Deposit Growth (YoY) | 1.12% | -0.51% | 0.93% | -0.15% | -0.30% | 0.79% | 0.45% | -0.38% | -23 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 | 0.39% | 0.26% | 0.35% | 0.31% | 0.32% | 0.31% | 0.36% | 0.36% | +6 bps | |
| Allowance / Loans | 0.92% | 0.92% | 0.88% | 0.77% | 0.77% | 0.80% | 0.81% | 0.81% | +4 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 | 23.23% | 23.04% | 21.84% | 20.43% | 21.50% | 22.35% | 22.79% | 23.77% | +334 bps | |
| Equity / Assets | 14.93% | 14.75% | 14.04% | 13.03% | 13.63% | 13.91% | 14.42% | 14.97% | +195 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.72% | 89.28% | 96.99% | 106.49% | 100.91% | 94.97% | 94.51% | 95.28% | -1,122 bps | |
| Liquid Assets / Assets | 0.11% | 0.11% | 0.12% | 0.10% | 0.10% | 0.10% | 0.13% | 0.14% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |