Plano, TX · Charter 6848
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 2013, 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.
Plano, TX · Charter 6848
Q2 2013
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.22% | -2.87% | -1.68% | -1.77% | -1.78% | -1.89% | -6.87% | -7.21% | -544 bps | |
| Return on Equity | -13.41% | -15.40% | -10.29% | -11.17% | -11.79% | -11.82% | -45.14% | -52.46% | -4,129 bps | |
| Net Interest Margin | 1.96% | 2.28% | 1.95% | 1.96% | 2.05% | 2.32% | 2.40% | 2.67% | +70 bps | |
| Efficiency Ratio | 174.65% | 185.02% | 163.18% | 161.57% | 160.67% | 157.41% | 227% | 216% | +5,466 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.50% | -12.82% | 2.44% | -0.69% | -3.62% | 4.03% | -11.51% | -13.75% | -1,306 bps | |
| Loan Growth (YoY) | -28.37% | -27.57% | -8.72% | -0.10% | 7.51% | 2.53% | 0.78% | -7.86% | -776 bps | |
| Share Growth (YoY) | 30.36% | -11.29% | 6.68% | 4.01% | -1.60% | 7.62% | -9.89% | -11.48% | -1,549 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 1.60% | 0.60% | 0.53% | 0.51% | 0.51% | 0.00% | 0.00% | -53 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 | 1.13% | 0.89% | 0.96% | 0.97% | 1.01% | 0.90% | 2.43% | 4.94% | +398 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.58% | 18.60% | 16.34% | 15.84% | 15.07% | 15.99% | 15.22% | 13.74% | -210 bps | |
| Net Worth / Assets | 16.58% | 18.60% | 16.34% | 15.84% | 15.07% | 15.99% | 15.22% | 13.74% | -210 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.51% | 53.29% | 47.26% | 49.79% | 49.72% | 50.77% | 52.85% | 51.83% | +204 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |