Evadale, TX · Charter 10379
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 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.
Evadale, TX · Charter 10379
Q2 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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.74% | 0.97% | 0.65% | 0.80% | 0.85% | 0.78% | 0.96% | +31 bps | |
| Return on Equity | 7.82% | 6.95% | 9.51% | 6.24% | 7.56% | 7.88% | 7.41% | 8.79% | +256 bps | |
| Net Interest Margin | 3.27% | 3.29% | 3.11% | 3.19% | 3.22% | 3.21% | 3.15% | 3.28% | +9 bps | |
| Efficiency Ratio | 78.30% | 78.96% | 77.94% | 78.36% | 78.49% | 78.65% | 84.24% | 81.14% | +278 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.11% | 6.15% | 7.02% | 6.24% | 6.06% | 7.49% | 4.97% | 4.74% | -151 bps | |
| Loan Growth (YoY) | 14.17% | 9.79% | 9.33% | 5.75% | 11.54% | 12.20% | 14.54% | 14.71% | +896 bps | |
| Share Growth (YoY) | 6.01% | 7.07% | 6.88% | 7.00% | 5.11% | 7.01% | 4.37% | 2.91% | -409 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 0.56% | 0.22% | 0.06% | 0.17% | 0.29% | 0.11% | 0.10% | +4 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 | 0.39% | 0.50% | 0.33% | 0.59% | 0.51% | 0.47% | 0.39% | 0.29% | -29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.50% | 10.61% | 10.18% | 10.35% | 10.61% | 10.72% | 10.47% | 10.87% | +52 bps | |
| Net Worth / Assets | 10.50% | 10.61% | 10.18% | 10.35% | 10.61% | 10.72% | 10.47% | 10.87% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.41% | 67.17% | 62.47% | 65.34% | 70.47% | 70.42% | 68.56% | 72.83% | +749 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |