Dallas, TX · Cert 58453
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Dallas, TX · Cert 58453
FDIC
Q4 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.54% | 2.00% | 1.82% | 1.66% | 1.77% | 1.62% | 1.43% | 1.77% | +12 bps | |
| Return on Equity | 12.87% | 16.38% | 14.44% | 13.02% | 14.52% | 13.39% | 11.60% | 14.41% | +139 bps | |
| Net Interest Margin | 2.78% | 2.78% | 2.83% | 2.78% | 2.68% | 2.54% | 2.52% | 2.40% | -38 bps | |
| Efficiency Ratio | 54.53% | 54.62% | 52.50% | 54.94% | 71.84% | 67.86% | 66.72% | 71.02% | +1,609 bps | |
| Non-Interest Burden | 1.50% | 1.50% | 1.46% | 1.51% | 1.92% | 1.71% | 1.67% | 1.69% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.74% | 17.16% | 22.59% | 27.19% | 22.80% | 21.91% | 20.01% | 16.71% | -1,048 bps | |
| Loan Growth (YoY) | 30.70% | 56.43% | 96.20% | 76.86% | 89.75% | 100.97% | 90.58% | 96.78% | +1,992 bps | |
| Deposit Growth (YoY) | 15.59% | 16.27% | 22.50% | 25.78% | 21.75% | 22.16% | 20.49% | 15.26% | -1,052 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% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.38% | 1.15% | 1.24% | 2.42% | 1.33% | 1.12% | 1.07% | 0.99% | -143 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 | 49.48% | 50.47% | 51.54% | 47.14% | 44.05% | 44.79% | 45.03% | 44.56% | -259 bps | |
| Equity / Assets | 11.51% | 12.68% | 13.87% | 13.13% | 11.36% | 12.00% | 12.87% | 12.30% | -82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 2.54% | 3.12% | 3.89% | 4.15% | 3.97% | 5.14% | 6.16% | 7.08% | +293 bps | |
| Liquid Assets / Assets | 43.25% | 42.73% | 42.06% | 37.91% | 37.09% | 36.71% | 35.23% | 51.64% | +1,374 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |