Bloomburg, TX · Cert 13563
FDIC · 1 branch
Q2 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.60% | 0.38% | 1.00% | 1.14% | +68 bps | |
| Return on Equity | 4.67% | 6.39% | 4.04% | 10.41% | 11.57% | +690 bps | |
| Net Interest Margin | 3.52% | 3.64% | 3.74% | 3.84% | 3.88% | +36 bps | |
| Efficiency Ratio | 80.65% | 78.11% | 89.14% | 68.18% | 67.03% | -1,362 bps | |
| Non-Interest Burden | 2.76% | 2.76% | 3.29% | 2.47% | 2.46% | -30 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.55% | 10.40% | 10.86% | 8.80% | 5.12% | -443 bps | |
| Loan Growth (YoY) | 68.79% | 51.02% | 34.17% | 28.25% | 15.27% | -5,352 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.10% | 0.06% | +6 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.82% | 9.32% | 9.49% | 10.00% | 9.79% | -3 bps | |
| Total Risk-Based Capital | 15.14% | 14.20% | 13.82% | 14.29% | 13.70% | -144 bps | |
| Equity / Assets | 9.63% | 9.27% | 9.42% | 9.80% | 9.95% | +32 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.27% | 78.27% | 82.60% | 83.84% | 87.13% | +786 bps | |
| Liquid Assets / Assets | 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 |