Temple, TX · Cert 11151
FDIC · 31 branches
Q4 2017
Market Position · Killeen-Temple, TX · 2017 SOD (annual) · 9.6% share · #5 of 20 inst. · $0.5B of $4.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.67% | 1.13% | 1.35% | 1.46% | 1.39% | -29 bps | |
| Return on Equity | 14.51% | 10.06% | 11.61% | 12.30% | 13.18% | -133 bps | |
| Net Interest Margin | 3.24% | 3.36% | 3.57% | 3.71% | 3.65% | +41 bps | |
| Efficiency Ratio | 57.58% | 57.61% | 53.55% | 47.96% | 52.28% | -530 bps | |
| Non-Interest Burden | 1.60% | 1.70% | 1.67% | 1.50% | 1.53% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.40% | -3.13% | 2.07% | 5.32% | 3.98% | +638 bps | |
| Loan Growth (YoY) | 4.78% | 9.58% | 16.42% | 13.45% | 9.42% | +463 bps | |
| Deposit Growth (YoY) | -3.96% | -4.65% | 0.65% | 4.88% | 5.02% | +897 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.39% | 0.43% | 0.27% | 0.26% | +26 bps | |
| Net Charge-Offs / Loans | 0.12% | -0.11% | -0.06% | -0.04% | -0.02% | -14 bps | |
| Allowance / Loans | 0.97% | 0.95% | 0.93% | 0.94% | 0.91% | -6 bps | |
| Allowance Coverage of NPLs | n/a | 2.4x | 2.2x | 3.5x | 3.5x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.99% | 11.05% | 11.33% | 11.68% | 8.95% | -204 bps | |
| Total Risk-Based Capital | 17.07% | 17.25% | 17.13% | 17.54% | 13.81% | -326 bps | |
| Equity / Assets | 11.14% | 11.32% | 11.90% | 11.89% | 9.15% | -199 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.07% | 59.40% | 62.76% | 60.53% | 59.47% | +239 bps | |
| Liquid Assets / Assets | 1.63% | 2.60% | 2.58% | 7.07% | 7.21% | +558 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |