Dallas, TX · Charter 67623
Q1 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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.25% | 1.12% | 0.75% | 0.22% | -0.16% | -1.07% | 1.21% | +46 bps | |
| Return on Equity | 6.80% | 3.58% | 15.83% | 11.58% | 3.76% | -2.65% | -17.56% | 20.11% | +853 bps | |
| Net Interest Margin | 3.78% | 2.67% | 2.68% | 2.60% | 2.61% | 3.43% | 5.03% | 5.69% | +309 bps | |
| Efficiency Ratio | 81.91% | 104.33% | 77.68% | 101.15% | 88.41% | 93.41% | 58.93% | 63.36% | -3,779 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.56% | 19.37% | 22.90% | 31.88% | 38.21% | 16.35% | -6.93% | -30.46% | -6,234 bps | |
| Loan Growth (YoY) | 2.46% | 2.55% | 6.62% | 10.97% | 16.29% | 17.73% | 4.97% | -12.59% | -2,356 bps | |
| Share Growth (YoY) | 7.39% | 24.49% | 23.19% | 34.35% | 42.19% | 19.21% | -4.53% | -29.94% | -6,428 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.95% | 3.12% | 3.01% | 1.87% | 3.42% | 2.86% | 3.12% | 1.01% | -86 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 | 2.91% | 1.52% | 1.44% | 1.15% | 0.94% | 1.07% | 2.11% | 3.96% | +280 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.74% | 6.91% | 7.06% | 6.44% | 5.82% | 6.07% | 6.07% | 6.00% | -44 bps | |
| Net Worth / Assets | 7.74% | 6.91% | 7.06% | 6.44% | 5.82% | 6.07% | 6.07% | 6.00% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.49% | 70.03% | 70.42% | 65.85% | 65.01% | 69.15% | 77.42% | 82.16% | +1,630 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |