Royse City, TX · Cert 58312
FDIC · 1 branch
Q2 2015
Market Position · Dallas-Fort Worth-Arlington, TX · 2015 SOD (annual) · 0.0% share · #116 of 160 inst. · $0.1B of $230.0B
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.44% | 0.82% | 0.74% | 0.75% | 0.77% | -2.85% | 0.50% | -24 bps | |
| Return on Equity | 5.68% | 3.59% | 7.06% | 6.42% | 6.46% | 6.57% | -23.70% | 3.49% | -293 bps | |
| Net Interest Margin | 3.50% | 3.55% | 3.40% | 3.32% | 3.34% | 3.27% | 3.14% | 1.55% | -177 bps | |
| Efficiency Ratio | 81.69% | 87.10% | 78.47% | 80.91% | 80.71% | 82.40% | 178.30% | 66.35% | -1,456 bps | |
| Non-Interest Burden | 2.76% | 3.02% | 2.56% | 2.59% | 2.59% | 2.60% | 5.98% | 0.91% | -168 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.44% | 7.03% | 9.96% | 9.11% | 4.86% | 1.79% | 0.76% | 4.68% | -443 bps | |
| Loan Growth (YoY) | 5.52% | 9.49% | 3.72% | 2.87% | 2.33% | -5.49% | 2.83% | -2.60% | -547 bps | |
| Deposit Growth (YoY) | 7.80% | 8.66% | 11.61% | 10.11% | 4.97% | 0.81% | 0.55% | -3.63% | -1,374 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 | 0.00% | 0.03% | 0.00% | 0.00% | 0.04% | 0.03% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.21% | 1.22% | 1.28% | 1.26% | 1.22% | 1.13% | 1.07% | 0.06% | -120 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 | 11.78% | 13.60% | n/a | |
| Total Risk-Based Capital | 21.50% | 20.83% | 21.03% | 21.20% | 21.08% | 22.55% | 19.65% | 22.77% | +157 bps | |
| Equity / Assets | 11.49% | 11.82% | 11.33% | 11.60% | 11.44% | 12.70% | 11.39% | 18.59% | +699 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.69% | 73.54% | 65.75% | 66.51% | 65.99% | 68.94% | 67.24% | 67.22% | +71 bps | |
| Liquid Assets / Assets | 4.15% | 3.60% | 3.03% | 3.03% | 3.31% | 3.56% | 3.69% | 3.52% | +48 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |