Muleshoe, TX · Cert 11939
FDIC · 2 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, 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.
Muleshoe, TX · Cert 11939
FDIC · 2 branches
Q1 2017
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.54% | 0.56% | 0.53% | 0.53% | 0.53% | 0.53% | -0.18% | -71 bps | |
| Return on Equity | 6.70% | 7.41% | 7.77% | 7.00% | 6.97% | 6.84% | 6.79% | -2.35% | -935 bps | |
| Net Interest Margin | 2.87% | 2.91% | 2.87% | 2.92% | 2.98% | 3.11% | 3.01% | 2.66% | -26 bps | |
| Efficiency Ratio | 81.81% | 79.97% | 79.19% | 79.23% | 78.96% | 79.47% | 81.04% | 134.62% | +5,540 bps | |
| Non-Interest Burden | 2.24% | 2.22% | 2.15% | 2.20% | 2.24% | 2.35% | 2.34% | 3.98% | +178 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.70% | 4.64% | 4.69% | -1.28% | -0.96% | -3.92% | -6.73% | 3.63% | +491 bps | |
| Loan Growth (YoY) | 7.46% | 6.54% | 12.11% | 10.42% | -3.99% | -4.23% | -8.11% | 7.28% | -314 bps | |
| Deposit Growth (YoY) | -0.41% | 4.75% | 4.93% | -1.80% | 1.60% | -10.75% | -7.64% | 3.98% | +579 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.35% | 0.22% | 0.15% | 0.03% | -0.29% | -0.15% | -0.11% | 0.06% | +3 bps | |
| Allowance / Loans | 1.02% | 0.95% | 0.99% | 1.14% | 1.42% | 1.31% | 1.37% | 1.24% | +10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 306.0x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.08% | 7.03% | 6.99% | 7.31% | 7.47% | 7.94% | 7.82% | 7.55% | +24 bps | |
| Total Risk-Based Capital | 13.19% | 11.91% | 12.24% | 13.28% | 14.08% | 13.65% | 14.10% | 14.90% | +162 bps | |
| Equity / Assets | 7.38% | 7.31% | 7.23% | 7.84% | 7.92% | 7.99% | 8.07% | 7.57% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.92% | 48.90% | 47.72% | 46.04% | 44.34% | 52.48% | 47.48% | 47.50% | +146 bps | |
| Liquid Assets / Assets | 40.54% | 35.83% | 36.98% | 41.12% | 43.09% | 38.56% | 38.66% | 45.97% | +485 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |