Richardson, TX · Cert 58567
FDIC
Q1 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 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.03% | -2.93% | -4.80% | -2.12% | -2.43% | -2.03% | -1.79% | 0.11% | +223 bps | |
| Return on Equity | -18.23% | -17.74% | -29.61% | -14.22% | -16.18% | -13.40% | -11.79% | 0.69% | +1,491 bps | |
| Net Interest Margin | 3.37% | 3.38% | 3.34% | 4.34% | 4.90% | 4.94% | 4.87% | 4.75% | +41 bps | |
| Efficiency Ratio | 147.18% | 151.82% | 161.49% | 149.45% | 144.22% | 136.87% | 133.20% | 90.71% | -5,874 bps | |
| Non-Interest Burden | 5.04% | 5.23% | 5.48% | 6.59% | 7.12% | 6.82% | 6.55% | 4.30% | -229 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.76% | 5.49% | -1.38% | -9.60% | -14.02% | -20.33% | -14.07% | -7.70% | +189 bps | |
| Loan Growth (YoY) | -10.66% | -14.43% | -24.09% | -13.23% | -6.25% | -6.80% | 0.76% | -17.09% | -386 bps | |
| Deposit Growth (YoY) | -11.92% | 6.58% | 0.74% | -9.74% | -12.23% | -20.43% | -15.05% | -7.38% | +237 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 | 1.27% | 2.62% | 5.74% | 0.09% | 0.13% | 0.07% | 0.05% | 2.05% | +196 bps | |
| Allowance / Loans | 2.01% | 1.10% | 1.38% | 1.21% | 1.52% | 1.62% | 1.66% | 1.46% | +25 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 | 25.53% | 24.03% | 23.99% | 23.11% | 22.64% | 25.03% | 24.57% | 28.63% | +552 bps | |
| Equity / Assets | 17.70% | 16.23% | 14.90% | 14.91% | 15.30% | 15.50% | 15.30% | 15.39% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.54% | 62.52% | 60.19% | 70.27% | 74.28% | 73.24% | 71.40% | 62.90% | -737 bps | |
| Liquid Assets / Assets | 17.95% | 23.46% | 24.82% | 18.24% | 21.58% | 22.57% | 19.14% | 30.71% | +1,248 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |