Muleshoe, TX · Cert 11939
FDIC · 2 branches
Q1 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 0.55% | 0.52% | 0.53% | -0.18% | -71 bps | |
| Return on Equity | 7.00% | 6.93% | 6.60% | 6.62% | -2.35% | -935 bps | |
| Net Interest Margin | 2.92% | 2.99% | 3.09% | 3.03% | 2.66% | -26 bps | |
| Efficiency Ratio | 79.23% | 78.70% | 80.49% | 85.69% | 134.62% | +5,540 bps | |
| Non-Interest Burden | 2.20% | 2.24% | 2.38% | 2.52% | 3.98% | +178 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.28% | -0.96% | -3.92% | -6.73% | 3.63% | +491 bps | |
| Loan Growth (YoY) | 10.42% | -3.99% | -4.23% | -8.11% | 7.28% | -314 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 0.03% | -0.62% | 0.07% | 0.04% | 0.06% | +3 bps | |
| Allowance / Loans | 1.14% | 1.42% | 1.31% | 1.37% | 1.24% | +10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 306.0x | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.31% | 7.47% | 7.94% | 7.82% | 7.55% | +24 bps | |
| Total Risk-Based Capital | 13.28% | 14.08% | 13.65% | 14.10% | 14.90% | +162 bps | |
| Equity / Assets | 7.84% | 7.92% | 7.99% | 8.07% | 7.57% | -27 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.04% | 44.34% | 52.48% | 47.48% | 47.50% | +146 bps | |
| Liquid Assets / Assets | 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 |