Sherman, TX · Charter 12015
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
Sherman, TX · Charter 12015
Q4 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.80% | -0.82% | -0.76% | -0.56% | -0.26% | -0.10% | -0.44% | -1.82% | -127 bps | |
| Return on Equity | -9.72% | -10.43% | -9.80% | -7.07% | -3.46% | -1.39% | -6.04% | -28.45% | -2,138 bps | |
| Net Interest Margin | 2.27% | 2.33% | 2.42% | 2.56% | 2.65% | 2.73% | 2.77% | 3.02% | +46 bps | |
| Efficiency Ratio | 125.22% | 122.05% | 116.02% | 111.23% | 103.89% | 101.00% | 106.73% | 130.40% | +1,917 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.84% | 5.49% | 3.38% | 1.21% | 3.29% | 2.39% | 1.96% | -4.60% | -582 bps | |
| Loan Growth (YoY) | 4.76% | 5.97% | 14.63% | 21.77% | 15.64% | 16.50% | 5.02% | -4.92% | -2,669 bps | |
| Share Growth (YoY) | 7.33% | 7.56% | 5.07% | 2.00% | 4.34% | 3.07% | 2.44% | -3.52% | -552 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.68% | 0.30% | 0.28% | 0.28% | 0.31% | 0.02% | 0.25% | -2 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 | 0.20% | 0.21% | 0.26% | 0.19% | 0.27% | 0.26% | 0.31% | 1.09% | +89 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.22% | 7.83% | 7.71% | 7.85% | 7.39% | 7.46% | 7.25% | 6.41% | -144 bps | |
| Net Worth / Assets | 8.22% | 7.83% | 7.71% | 7.85% | 7.39% | 7.46% | 7.25% | 6.41% | -144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.60% | 33.25% | 36.37% | 39.84% | 36.13% | 37.58% | 37.29% | 39.26% | -58 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |