Dallas,, TX · Charter 67502
Q3 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.32% | -1.86% | -2.53% | -1.26% | -1.39% | -0.57% | -1.33% | -1.43% | -17 bps | |
| Return on Equity | -13.56% | -20.52% | -32.59% | -17.49% | -16.67% | -7.88% | -19.47% | -21.68% | -419 bps | |
| Net Interest Margin | 3.38% | 3.35% | 3.23% | 3.51% | 5.48% | 4.72% | 4.75% | 4.87% | +136 bps | |
| Efficiency Ratio | 91.47% | 113.10% | 140.85% | 125.99% | 99.50% | 110.51% | 115.46% | 119.52% | -647 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.81% | 17.40% | 12.58% | 8.22% | -13.75% | -18.12% | -18.51% | -22.37% | -3,060 bps | |
| Loan Growth (YoY) | -2.72% | -0.65% | 2.40% | 5.59% | 6.52% | -4.78% | -9.53% | -15.02% | -2,062 bps | |
| Share Growth (YoY) | 11.43% | 22.29% | 17.17% | 10.80% | -11.82% | -15.63% | -16.89% | -21.37% | -3,217 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.48% | 2.33% | 2.59% | 2.40% | 5.60% | 3.64% | 2.74% | 2.37% | -3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.38% | 1.45% | 1.96% | 1.50% | 1.57% | 1.46% | 1.49% | 0.85% | -65 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.70% | 9.05% | 7.77% | 7.21% | 8.32% | 7.24% | 6.83% | 6.61% | -60 bps | |
| Net Worth / Assets | 9.70% | 9.05% | 7.77% | 7.21% | 8.32% | 7.24% | 6.83% | 6.61% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.00% | 67.72% | 67.96% | 67.14% | 82.15% | 76.42% | 73.98% | 72.56% | +542 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |