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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.63% | 0.68% | 0.72% | 0.80% | 0.93% | +29 bps | |
| Return on Equity | 6.85% | 7.36% | 7.63% | 7.88% | 9.02% | +217 bps | |
| Net Interest Margin | 3.14% | 3.18% | 3.25% | 3.49% | 3.33% | +19 bps | |
| Efficiency Ratio | 67.32% | 65.13% | 63.54% | 60.50% | 58.42% | -890 bps | |
| Non-Interest Burden | 2.04% | 1.99% | 1.99% | 2.04% | 1.87% | -17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.82% | 12.77% | 0.31% | 5.67% | 3.78% | -605 bps | |
| Loan Growth (YoY) | 28.16% | 23.04% | 21.79% | 23.79% | 8.19% | -1,997 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 1.02% | 0.54% | +54 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 10.45% | 10.45% | n/a | |
| Total Risk-Based Capital | 14.49% | 14.26% | 14.12% | 13.42% | 12.11% | -238 bps | |
| Equity / Assets | 9.66% | 9.35% | 10.23% | 10.09% | 10.54% | +88 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.18% | 74.69% | 81.98% | 83.88% | 81.24% | +406 bps | |
| Liquid Assets / Assets | 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 |