Dallas, TX · Cert 58497
FDIC · 2 branches
Q2 2014
Market Position · Dallas-Fort Worth-Arlington, TX · 2014 SOD (annual) · 0.2% share · #54 of 168 inst. · $0.3B 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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.48% | 0.29% | 0.35% | 0.38% | 0.42% | 0.51% | 0.46% | +11 bps | |
| Return on Equity | 4.16% | 4.94% | 3.14% | 3.76% | 4.16% | 4.58% | 5.64% | 5.27% | +150 bps | |
| Net Interest Margin | 2.37% | 2.28% | 2.25% | 2.35% | 2.37% | 2.32% | 2.59% | 2.84% | +48 bps | |
| Efficiency Ratio | 81.41% | 78.86% | 85.11% | 78.42% | 76.21% | 73.53% | 69.38% | 72.54% | -588 bps | |
| Non-Interest Burden | 1.92% | 1.79% | 1.91% | 1.84% | 1.80% | 1.70% | 1.78% | 2.05% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.42% | 19.69% | 15.63% | 5.96% | 9.85% | 5.54% | 7.99% | 1.57% | -439 bps | |
| Loan Growth (YoY) | 44.80% | 32.63% | 27.66% | 22.76% | 12.63% | 21.02% | 23.83% | 25.79% | +303 bps | |
| Deposit Growth (YoY) | 26.36% | 23.81% | 19.15% | 6.33% | 8.26% | 3.57% | 6.19% | 2.34% | -399 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 | 0.48% | 0.48% | 0.48% | 0.48% | 0.46% | 0.46% | 0.43% | 0.44% | -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 | 18.00% | 18.64% | 17.50% | 17.60% | 17.63% | 15.33% | 16.41% | 13.03% | -456 bps | |
| Equity / Assets | 9.68% | 9.18% | 9.43% | 9.17% | 9.10% | 9.02% | 9.08% | 8.04% | -113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.51% | 68.98% | 74.41% | 77.01% | 77.52% | 80.60% | 86.77% | 94.65% | +1,764 bps | |
| Liquid Assets / Assets | 11.04% | 22.92% | 19.42% | 19.12% | 20.02% | 17.41% | 14.75% | 1.50% | -1,762 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |