Dallas, TX · Charter 67873
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Dallas, TX · Charter 67873
Q1 2015
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | 0.22% | 0.39% | 0.82% | 1.07% | -0.64% | -1.42% | -3.11% | -393 bps | |
| Return on Equity | -0.05% | 3.11% | 5.00% | 10.82% | 17.26% | -11.73% | -28.44% | -62.18% | -7,301 bps | |
| Net Interest Margin | 3.41% | 3.49% | 3.80% | 4.17% | 3.69% | 4.15% | 4.51% | 4.48% | +30 bps | |
| Efficiency Ratio | 88.96% | 86.84% | 84.71% | 73.36% | 63.42% | 62.82% | 67.36% | 85.38% | +1,202 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.27% | -0.89% | 5.07% | 17.37% | 37.53% | 25.68% | 21.56% | -0.88% | -1,824 bps | |
| Loan Growth (YoY) | -7.27% | -4.75% | 7.59% | 39.86% | 45.95% | 34.48% | 15.70% | -15.82% | -5,569 bps | |
| Share Growth (YoY) | -2.05% | 2.04% | 5.06% | 17.99% | 36.97% | 27.56% | 25.19% | 2.00% | -1,599 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.64% | 1.21% | 0.81% | 0.77% | 1.03% | 0.85% | 1.02% | +21 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 | 0.58% | 0.51% | 0.57% | 0.56% | 0.57% | 1.46% | 1.56% | 2.30% | +174 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.40% | 7.23% | 7.79% | 7.56% | 6.20% | 5.43% | 4.99% | 5.00% | -256 bps | |
| Net Worth / Assets | 7.40% | 7.23% | 7.79% | 7.56% | 6.20% | 5.43% | 4.99% | 5.00% | -256 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.57% | 90.95% | 94.14% | 98.82% | 100.77% | 95.88% | 87.00% | 81.55% | -1,727 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |