Frisco, TX · Cert 58610
FDIC
Q3 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.55% | -0.12% | 0.61% | 0.25% | -0.38% | -0.28% | -0.07% | 0.66% | +41 bps | |
| Return on Equity | -4.29% | -1.04% | 5.73% | 2.31% | -3.31% | -2.29% | -0.52% | 4.63% | +232 bps | |
| Net Interest Margin | 3.43% | 2.90% | 2.40% | 2.26% | 2.36% | 2.21% | 2.41% | 3.00% | +74 bps | |
| Efficiency Ratio | 94.49% | 113.68% | 92.13% | 90.30% | 116.65% | 111.59% | 102.75% | 79.22% | -1,107 bps | |
| Non-Interest Burden | 3.24% | 3.30% | 2.16% | 2.01% | 2.75% | 2.49% | 2.48% | 2.32% | +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 | 1.82% | -0.62% | 0.00% | 0.00% | 0.00% | 0.30% | 0.87% | 0.00% | 0 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 |