Dallas, TX · Charter 68436
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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 68436
Q4 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -7.01% | -3.73% | -1.71% | -1.52% | -1.15% | -0.86% | -1.05% | 0.00% | +152 bps | |
| Return on Equity | -120.46% | -60.96% | -23.69% | -20.19% | -16.93% | -12.77% | -15.94% | 0.00% | +2,019 bps | |
| Net Interest Margin | 3.95% | 4.05% | 4.31% | 4.32% | 3.14% | 3.01% | 3.28% | 3.48% | -83 bps | |
| Efficiency Ratio | 129.68% | 110.01% | 99.95% | 109.80% | 130.11% | 125.14% | 117.09% | 100.16% | -965 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -31.48% | -34.43% | -37.76% | -21.42% | -11.24% | -7.68% | -3.93% | -4.48% | +1,694 bps | |
| Loan Growth (YoY) | -6.34% | -19.95% | -29.29% | -29.62% | -29.37% | -12.92% | -8.13% | -6.82% | +2,280 bps | |
| Share Growth (YoY) | -29.24% | -32.55% | -37.02% | -21.77% | -12.05% | -7.94% | -3.15% | -4.50% | +1,727 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 2.69% | 0.00% | 0.17% | 0.34% | 1.61% | 0.12% | 1.17% | +100 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 | 3.87% | 4.36% | 4.34% | 4.27% | 4.62% | 3.98% | 4.94% | 4.87% | +60 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.82% | 6.12% | 7.22% | 7.53% | 6.81% | 6.76% | 6.58% | 7.88% | +35 bps | |
| Net Worth / Assets | 5.82% | 6.12% | 7.22% | 7.53% | 6.81% | 6.76% | 6.58% | 7.88% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.20% | 75.25% | 69.84% | 67.63% | 61.20% | 71.18% | 66.25% | 65.99% | -164 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |