Richardson, TX · Cert 58447
FDIC · 1 branch
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Richardson, TX · Cert 58447
FDIC · 1 branch
Q2 2015
Market Position · Dallas-Fort Worth-Arlington, TX · 2015 SOD (annual) · 0.1% share · #71 of 160 inst. · $0.2B 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 | 0.59% | 0.56% | 0.53% | 0.63% | 0.68% | 0.72% | 0.80% | 0.93% | +29 bps | |
| Return on Equity | 6.78% | 6.41% | 5.86% | 6.85% | 7.36% | 7.63% | 7.88% | 9.02% | +217 bps | |
| Net Interest Margin | 3.01% | 2.92% | 3.12% | 3.14% | 3.18% | 3.25% | 3.49% | 3.33% | +19 bps | |
| Efficiency Ratio | 72.57% | 73.80% | 71.14% | 67.32% | 65.13% | 63.54% | 60.50% | 58.42% | -890 bps | |
| Non-Interest Burden | 2.13% | 2.10% | 2.14% | 2.04% | 1.99% | 1.99% | 2.04% | 1.87% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.07% | 1.50% | 2.70% | 9.82% | 12.77% | 0.31% | 5.67% | 3.78% | -605 bps | |
| Loan Growth (YoY) | 17.99% | 20.46% | 22.26% | 28.16% | 23.04% | 21.79% | 23.79% | 8.19% | -1,997 bps | |
| Deposit Growth (YoY) | 11.34% | 0.34% | 1.20% | 10.06% | 13.01% | -1.20% | 4.68% | 2.78% | -728 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.02% | 0.54% | +54 bps | |
| Allowance / Loans | 1.29% | 1.29% | 1.33% | 1.36% | 1.41% | 1.49% | 1.16% | 1.22% | -14 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 | 10.45% | 10.45% | n/a | |
| Total Risk-Based Capital | 15.04% | 14.33% | 14.63% | 14.49% | 14.26% | 14.12% | 13.42% | 12.11% | -238 bps | |
| Equity / Assets | 9.44% | 8.87% | 9.26% | 9.66% | 9.35% | 10.23% | 10.09% | 10.54% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.60% | 66.50% | 70.93% | 77.18% | 74.69% | 81.98% | 83.88% | 81.24% | +406 bps | |
| Liquid Assets / Assets | 9.09% | 12.94% | 12.84% | 13.06% | 18.10% | 12.43% | 17.19% | 14.33% | +126 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |