Bloomburg, TX · Cert 13563
FDIC · 1 branch
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Bloomburg, TX · Cert 13563
FDIC · 1 branch
Q2 2016
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.02% | -0.01% | 0.42% | 0.44% | 0.49% | 0.47% | 1.00% | 1.07% | +63 bps | |
| Return on Equity | -0.18% | -0.13% | 4.20% | 4.43% | 5.09% | 4.83% | 10.41% | 10.99% | +656 bps | |
| Net Interest Margin | 2.54% | 2.61% | 3.25% | 3.34% | 3.29% | 3.43% | 3.84% | 3.77% | +42 bps | |
| Efficiency Ratio | 100.31% | 99.35% | 87.23% | 83.78% | 81.72% | 83.75% | 68.18% | 67.59% | -1,619 bps | |
| Non-Interest Burden | 2.55% | 2.59% | 2.78% | 2.74% | 2.62% | 2.81% | 2.47% | 2.41% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.80% | 18.21% | 16.59% | 9.55% | 10.40% | 10.86% | 8.80% | 5.12% | -443 bps | |
| Loan Growth (YoY) | 27.08% | 52.68% | 65.83% | 68.79% | 51.02% | 34.17% | 28.25% | 15.27% | -5,352 bps | |
| Deposit Growth (YoY) | 16.68% | 20.63% | 18.68% | 10.33% | 11.00% | 11.41% | 9.04% | 4.87% | -546 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 | -0.10% | -0.07% | 0.00% | 0.00% | 0.00% | 0.00% | 0.10% | 0.08% | +8 bps | |
| Allowance / Loans | 1.10% | 1.00% | 0.96% | 0.82% | 0.80% | 0.79% | 0.79% | 0.74% | -8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | 9.97% | 9.82% | 9.32% | 9.49% | 10.00% | 9.79% | -3 bps | |
| Total Risk-Based Capital | 19.46% | 17.43% | 16.29% | 15.14% | 14.20% | 13.82% | 14.29% | 13.70% | -144 bps | |
| Equity / Assets | 9.78% | 9.96% | 10.00% | 9.63% | 9.27% | 9.42% | 9.80% | 9.95% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.53% | 68.59% | 71.28% | 79.27% | 78.27% | 82.60% | 83.84% | 87.13% | +786 bps | |
| Liquid Assets / Assets | 43.21% | 34.74% | 30.69% | 24.13% | 24.57% | 20.50% | 19.77% | 17.77% | -636 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |