Frisco, TX · Cert 58610
FDIC
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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.
Frisco, TX · Cert 58610
FDIC
Q3 2013
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01%1 | -0.12% | 0.26%1 | 0.26% | 0.10%1 | -0.28% | -0.18% | 0.08% | -18 bps | |
| Return on Equity | 0.06% | -1.04% | 2.35% | 2.34% | 0.92% | -2.29% | -1.42% | 0.59% | -175 bps | |
| Net Interest Margin | 3.32% | 2.90% | 2.57% | 2.44% | 2.55% | 2.21% | 2.38% | 2.80% | +36 bps | |
| Efficiency Ratio | 100.40% | 113.68% | 102.34% | 98.62% | 102.42% | 111.59% | 107.31% | 97.10% | -152 bps | |
| Non-Interest Burden | 3.33% | 3.30% | 2.64% | 2.41% | 2.62% | 2.49% | 2.56% | 2.71% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.08% | 34.68% | 19.87% | 17.49% | 7.95% | -17.28% | -26.25% | -26.86% | -4,435 bps | |
| Loan Growth (YoY) | -16.26% | -12.63% | -13.60% | -16.98% | -14.73% | -17.06% | -20.15% | -14.65% | +233 bps | |
| Deposit Growth (YoY) | 15.80% | 42.08% | 30.77% | 29.35% | 16.57% | -20.91% | -31.24% | -37.42% | -6,677 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 | 1.71% | -0.62% | -0.33% | -0.23% | -0.18% | 0.30% | 0.60% | 0.39% | +63 bps | |
| Allowance / Loans | 1.34% | 1.40% | 1.48% | 1.57% | 1.57% | 1.61% | 1.55% | 1.54% | -3 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 | 20.70% | 20.13% | 21.97% | 22.23% | 22.88% | 24.44% | 26.85% | 26.11% | +388 bps | |
| Equity / Assets | 12.51% | 10.43% | 10.71% | 11.25% | 11.53% | 12.65% | 13.89% | 14.82% | +357 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.46% | 51.50% | 49.20% | 48.43% | 51.54% | 54.00% | 57.13% | 66.06% | +1,763 bps | |
| Liquid Assets / Assets | 3.13% | 8.58% | 28.96% | 21.99% | 20.14% | 19.36% | 16.41% | 14.87% | -712 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |